23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit with the fair Credit Reporting Act 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.
Product: Debt collection

For 7 years I've expressed that XXXX XXXX  did not evict me cause I left on my own accord and that there was a court document stating and showing that the complex was in misrepresentation that they unlawfully tried to put an eviction on my record.
Product: Credit reporting

XXXX Bank is reporting an account that does not belong to me on my credit report. I initially contacted the credit bureaus believing that it should be easy to clear up. Incredibly, XXXX did not correct the error, so I called XXXX and spoke to XXXX in Security. Naturally when they asked for my social security number and contact information, it did not match what they have for the account. When they provided the last XXXX digits of a phone number, it sounded like my parents phone number, and it appeared that the account belongs to my father. Certainly, that should have been tne end of my problem, but instead, XXXX left the account on my credit report. It is stunning to me that the credit bureaus and credit providers operated without any regard for accuracy or the people that they impact.
Product: Mortgage

On XX/XX/2006, I contacted Washington Mutual ( JP Morgan Chase now holds account ) to refinance my fixed rate loan to renovate due to mold and termite damage. Instead of agreeing to another fixed rate loan, the representative showed me options of variable/interest only loans only. I mentioned that I did not want them, but he coerced me that this would be better and lower payments and that I could refinance later. I apparently did not understand anything beyond lower payments and what that would mean to me in the future. He also added a home equity LOC to my loan, which I was not aware of until I was signing papers at the Title department. I asked if I could not sign for the HELOC, but was told would need to start the refinance process all over so I reluctantly signed. Years later, my lower payment schedule retired and my payments soared. I was unable to sustain the high payments but was able to get a modification of my loan to 2.508 %. I assumed, after lengthy conversations and applications, that my HELOC would be also modified. But years later, I realize that I am in the same situation. I am VERY concerned that if I refinance, I would be starting over, with the same balance of {$150000.00} and paying on top of the interest payments that I have been paying since 2006 ANOTHER 15 to 30 plus years of finance and the bank would PROFIT. I find this VERY unfair and find myself as a victim of predatory practices. It is very disheartening that my hard earned money is just going to the bank and not my principle balance and that this could go on for another 15 to 30 years.
Product: Money transfer, virtual currency, or money service

I accidentally made XXXX payments for the XXXXXXXX XXXX XXXX so I XXXX contact XXXX XXXX it gave me XXXX numbers i called XXXX beginning with XXXX i followed the steps the guy was asking me to do he requested me to download this app called rvnc server and i did he did a live broadcasting so that he could see my screen and the transaction instead of helping me get my money back he was taking my information and taking money from my account through something called XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX ( home choice ) ( three accounts ) credit collection servic also has violated my rights They have also violated my rights by having 152 inquiries on my credit report without my written instructions 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 I also have disputed all this information about three times due to my identity being stolen and someone opening up accounts in my name and applying for accounts and services
Product: Debt collection

My name is XXXX XXXX. And my credit report is being reported for an account that is not mine. The account is being used under fraudulent actions. Someone with a different first name and that is using my last name, my birthday and my social. They got an apartment in my name and the account has been in collections on my credit report since XXXX XXXX. I have been disputing it to be removed off my credit for years and have reached out to the collection agency R S Clark & Associates twice. I also contacted the credit bureau to report the fraudulent actions on my credit report to request this be removed and provided all documentation needed and requested that the name that was added to my credit report of the person who is not me be removed. The person who committed fraud on my account has a first name of XXXX and my last name which is XXXX. The collections company still is continuing to report this last reported on XX/XX/scrub>XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed accounts that are not mine and are fraudulent. Please remove these accounts from my credit report and update my report.
Product: Mortgage

On XX/XX/2020 we contacted our mortgage company ( PHH Mortgage Corporation ) to inquire about re-financing our existing mortgage. We have been paying on the existing 30 year mortgage for 19 years and wanted to get out some of the equity to pay off some credit cards. The remaining balance on the mortgage was {$120000.00} and we wanted to get {$25000.00} out after re-financing. Also to get a lower interest rate, since we have been paying 5.75 % for 19 years. After providing all of the requested information over the phone the representative submitted the information for preliminary underwriting. She indicated that it did not pass but could not provide the reason. Initially she thought it was related to the debt to income ratio. But after eliminating debt to income as the reason she re-submitted it, and it still did not pass. She could not give the reason. 

I asked if we would receive something in writing explaining why it was denied. She indicated that we would receive a letter through their secure portal with the explanation. On XX/XX/2020 the Statement of Denial appeared in the portal with only one check mark checked under the category " Other '' it said " Credit application incomplete ''. We provided all the information that was asked of us. We allowed her to pull our credit files and do verification of employment. We have never made a late payment on the existing mortgage. In the absence of any other explanation, I'm left suspecting that we were denied because we indicated that we were of XXXX XXXX  descent. We hope this is not the case, and that your agency can get a reasonable explanation for us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have late payments posted on my credit report during COVID -19. During the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I did not give any company or consumer reporting agency written instructions or permission to report late payments, and your company as well as XXXX, XXXX, and Transunion are in clear violation of the FCRA and the FDCPA for the following violations. 

15 U.S. CODE 1681b ( a ) ( 2 ) Permissible purposes of consumer reports a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( F ) Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. ( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus XXXXisease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. ( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, no later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY
Product: Vehicle loan or lease

I came across a settlement claim happening currently for Wells Fargo customers. I had a vehicle loan during the time frame mentioned in the article Information. My loan was paid off early and I believe I had the GAP insurance also... so, I am inquiring to see if I am eligible for the settlement. 
Thank you. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX and XX/XX/XXXX, I submitted a complaint to the CFPB regarding inaccurate information on my credit report created by XXXX, XXXX, and Experian regarding the following debt collection accounts which were being inaccurately and innocuously reported : 1 ) XXXX XXXX XXXX XXXX  {$4400.00} 2 ) XXXX XXXX XXXX XXXX XXXX XXXX {$590.00} 3 ) XXXX XXXX XXXX XXXX XXXX {$320.00} To date, XXXX, XXXX XXXX and Experian continue to recklessly and negligently violate my federally protected rights by refusing to remove and delete these accounts from my credit report AND credit file. Pursuant to 15 USC 1692c, which states that " if a clearly consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease ALL communication ''. Ceasing ALL COMMUNICATION includes communication with any 3rd parties of which XXXX, XXXX, and Experian are 3rd parties. Also reporting to the credit reporting agencies is communication. Thus, continuing to report these debt collection accounts are a violation of my federally protected rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting the incorrect credit limit amounts on the XXXX  XXXX  partial account number XXXX ; XXXX  XXXX partial account number XXXX ; and XXXX  partial account number XXXX. ( Please see page XXXX of the attached credit report. ) This incorrect reporting of the credit limits is hurting my credit score. Please remove these line items from my credit report.
Product: Credit reporting or other personal consumer reports

I submitted a dispute on XXXX stating I never opened this account, XXXX closed my dispute and stated the account came back verified. I have tried to apply for an account but I was told I already have a outstanding balance due, which made me do an investigation on my credit file. I have attached the police report
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. 

Jefferson capital syst XXXX 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

On  XXXX   XXXX  I received a SIF offer letter where at the bottom it said I could dispute debt. I disputed the debt and the very next day I received a threatening call.  XXXX   XXXX  just called me at  XXXX  on  XXXX  the  XXXX . The day after I disputed to debt. He threatened to add this collection to my credit report. He told me that I had to prove this debt was n't mine and proceeded to tell me that he had been in the collection business for 7 years and 100 % of the time the person says they do n't recognize the debt. I told him because you are the collection agency you need to provide proof that this debt is mine. I went  to US ban k and they said there was no debt. As the creditor it is your responsibility to send verification of debt when I ask for it.
Product: Debt collection

The tactics use by this company Portfolio Recovery are simply beyond comprehension, 7 days a week at every time they feel like it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information, birth certificate, driver 's license, and social security card were stolen on XX/XX/XXXX and today XX/XX/XXXX I went to XXXX XXXX XXXX to get a credit card, and I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods, or services as described in this report. I did not receive any money, goods, services, or another benefit as the result of the events described in this report. I filed a police report with XXXX XXXX Police and its ongoing investigation, no perpetrators have been found. Please delete the following accounts that are a result of identity theft. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. I certify to the best of my knowledge, all the information is true and correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked XXXX, along with XXXX  and transunion to verify that the account XXXX XXXX XXXX XXXX ( XXXX ) is 100 percent correct and free from inaccuracies. They verified the account XXXX to be accurate. But when I looked on my report there is inconsistent data across the three bureaus being report for this account, including the balance, open date and last active date. 



In accordance with the Fair Credit Reporting act XXXX Account # ending in 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, Equifax, and XXXX on multiple ocassions and via phone, mail, fax, and online disputing to have these errors corrected and they keep reappearing or being ignored. 

My personal information on my credit report should read as follows : NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXX, XXXX, FL XXXX PHONE : XXXX EMPLOYERS : XXXX XXXX  XXXX, and XXXX XXXX XXXX Anything other than what is written above is inaccurate and needs to be removed. I have contacted the companies associated with any accounts that may have it listed wrong, but it is STILL listed wrong and XXXX, Equifax, and XXXX refuse to fix it. 

EQUIFAX : NAME : XXXX XXXX- Not my name XXXX : NAMES : XXXX XXXX. NOT MY NAME XXXXXXXX XXXX NOT MY NAME XXXX XXXX XXXX NOT MY NAME XXXX XXXX NOT MY NAME PREVIOUS ADDRESSES : XXXX XXXX XXXX XXXX NOT MY ADDRESS XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX. NOT MY ADDRESS XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT MY ADDRESS XXXX, FL XXXX XXXX : MY CURRENT ADDRESS IS LISTED INCORRECTLY. 
CURRENT ADDRESS IS : XXXX XXXX XXXX XXXX, FL XXXX NAMES : XXXX XXXX. NOT MY NAME PREVIOUS ADDRESSES : XXXX XXXX XXXXXXXX XXXX  NOT MY ADDRESS XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX. NOT MY ADDRESS XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPANY : Equifax ACTION XXXX complainant ) : 3 notarized, written requests sent via certified USPS service to have 3 erroneously reported accounts investigated and accordingly removed or have proper proof provided of their legitimacy in accordance to FCRA guidelines. 

DATES : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ACTION ( respondent ) : 2 investigations conducted resulting in 1 of 3 accounts in question being removed. No validation of remaining account legitimacy provided. 

DATES : XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

I received a notice from this Law Firm via mail I have received calls since I have hired a Credit repairing non-profit company due to the current situation in our country, they submitted a Power of Attorney so that I can try to mitigate my damages in my credit and it was rejected the agent from the XXXX XXXX ( Credit Repairing Services ) was told that they could not communicate with them unless He was a licensed Attorney that it was XXXX XXXX Policy He told me and they will provide that in writing and they refused to do so they asked for his full name, which it is irrelevant since they submitted a Power of Attorney in fact on my behalf, they even had a representative by the name of XXXX XXXX whom is not an Attorney who is not an Attorney working the account why would they have an non Attorney worked the account and not talked to my agent/representative He asked if they had the policy in writing but they refused to do so they said it was XXXX Policy My Credit Repairing Representative called XXXX and they said they do not have such a policy they still refused to communicate with me unless I am represented by an Attorney, Which I believe that is a violation of my consumer rights I am seeking a resolution to my current financial situation I am self employed and have been impacted by the current Covid19 Situation, further more the representative did not give my agent the Mini Miranda Disclosure as required by The FDCA, I would like to resolve this situation but I should not be forced to hire an Attorney as it was clearly stated by the representative who told the agent I must have an Attorney if I have a Credit Repairing Counseling Agent, that violates my rights as a consumer, I can not afford an Attorney only Non-for profit Credit Counseling, that fact that they demanded that I have an Attorney is not lawful within my consumer rights, They said my Repairing Counseling agent should hire an attorney which I can not afford attached is documents if you would like more info please let me know the agent was directed to a XXXX XXXX at the law firm by XXXX XXXX a non Attorney representative if this account is only handled by an attorney the representative told The XXXX XXXX ( Credit Repair Serivices ) He needed to know if he was an Attorney or not. 
This is not right please help I know this law firm has been noted for very suspicious and unethical practices with their staff. 
We have dates and time when we called and they also have recordings as they must keep by law. 

Thank You XXXX XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"