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

This is purely identity theft. I do not recognize these accounts. These accounts are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts 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  REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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: Mortgage

I want to start by saying that Real Time has been nothing but polite and considerate this whole time. I do not fault any of the service reps that I have dealt with. My husband and I obtained a home equity loan through XXXX XXXX 9 years ago that was 125 % of our home value. The market crashed and XXXX went out of business, selling our loan to Real Time Resolution or an investor that they represent for pennies on the dollar. We ended up filing for Chapter XXXX bankruptcy 7 years ago. Our lawyer avoided the lien in the bankruptcy paperwork and Real Time did not file any objections. Our home was very negative at the time. We were able to settle with our 1st mortgage company and have been making payments on time since. This year we are trying to refinance our home mortgage so that we can pay off some extra debt and we have good equity in our home now. I have spent the last several months trying to get a settlement with Real Time. They say that we owe {$69000.00} in principal on the original loan and then want an additional {$75000.00} in interest for the last 8 years of not paying on this second mortgage. They are not on our title and they are not on our credit report and they have not been able to provide me with the documentation stating that they have the authority to remove the lien from our title. They were not willing to present an offer to their investor because it was not enough. Another offer was just made but we are hitting a point were our DTI is going to make this process impossible. I worry that they actually do not have a claim here and that I am going to send them money and nothing will happen except I am now out a lot of money. I have never seen any paperwork stating loan balances but I know that they were not able to bother us because of the bankruptcy laws. Realtime loan # : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern I bought XXXX XXXX XXXX XXXX, and I financed with Honda Financial Services ( XXXX ) XXXX XXXX or XXXX XXXX XXXX XXXX. XXXX, TX XXXX Account number # XXXX The payment due date will be on XXXX  of each months. I am always making the payment on the XXXX or XXXX of each months. 

However, Honda Financial Services had been sending the wrong statements say that I didn't make the payment. 

I have been calling HFS since XXXX, and I have been asked for correct statement. All HFS are not provided me the right statement. All HFS do not care for me. 

May you please help me, and I have been stressful since than. 

Respectfully, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 of the same accounts opened from XXXX XXXX Properties, but since they are under 2 different accounts they won't remove the one. I tried last XXXX ( 2021 ) to have one removed but was refused since it's technically 2 different accounts. I was then told to contact the people who filed the report ( XXXX XXXX ), which I did and they said there was nothing they could do since it was already reported. I have not received any paperwork about the claims and am asking for both to now be removed from my credit on my XXXX report since it is not on my XXXX.
Product: Debt collection

In accordance 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 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.

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.
Product: Credit reporting

I contacted XXXX XXXX Credit regarding a Hard Inquiry placed on my Equifax report dated XXXX. XXXX XXXX Credit has no account or a record of application. XXXX XXXX Credit refuses to submit a removal or resolve the situation with Equifax as Equifax needs XXXX XXXX Credit to start the removal.
Product: Credit reporting or other personal consumer reports

Hard inquiries from unknown sources. I did not initiate these. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Last Friday ( XX/XX/XXXX ), someone used a virus to hack my phone and accessed my bank to attempt to deposit two bad checks while taking some actual money out. This led to Chase deciding to restrict my account. I tried to talk to them, but they insist on punishing me even though I was the victim of a computer hacker. The big problem is my SSI ( government benefit ) came in today ( XXXX ) and my rent is due, but they refuse to release any of my money until paying them {$25.00} for the bad checks the hacker left behind and waiting until Monday. This is unacceptable because my rent is due and these are government benefits and I did nothing wrong. Now I have to shell out extra money I don't have just to get my Social Security benefits! They really have no right to hold my federal entitlement, and this could get me kicked out of my housing because the landlord has been getting strict on everyone in the building and has personally had it out for me for years. I have no idea how I'm going to make it through the next few days now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a closed acxount XXXX XXXX XXXX loan in the amount of XXXX which has been closed for 4 years. Transunion has reopened this account with no explanation as to why, and it has decreased credit score. This is indeed improper use of credit report as well as violation of privacy as a consumer, according to the FCRA 15 USC sec 602 and 604
Product: Mortgage

I applied for a mortgage with Navy federal credit union, and I was denied because of a student loan that is 50,000 dollars. I have friends and family who were approved, and they have student loans on their credit. I think because my name shows as XXXX on my application, I was denied credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has unlawfully used reporting tactics for incorrect information on my report. They have solicited information " dark pattern '', to give information to get negative creditors on my report. I have been disputing inquiries, bankruptcy, and closed accounts showing on my report to be removed with no resolution. The Bankruptcy showing on Transunion is not showing on my credit reports.
Product: Debt collection

Due to the mishandling of this account.. Debt was paid in full.
Product: Credit reporting

Attached/enclosed is proof that Equifax is reporting XXXX items that are ten ( 10 ) years and six, ( 6 ) months old. Equifax has, on several occasions, failed to remove these XXXX XXXX XXXX XXXX accounts from my credit report. Equifax 's own report shows these accounts were closed XXXX and they still remain on my report. These accounts have been removed from ALL other Credit Reporting Bureaus. Proof that Equifax is reporting incorrectly.
Product: Checking or savings account

On XX/XX/XXXX I requested a check for my rent to be sent to XXXX XXXX XXXX in the amount of {$570.00}. My bank, MoneyLion, deducted it from my account along with a check fee of {$2.00}. It was stated in writing it would take no more than 2-4 business days. On XX/XX/XXXX I received a message from my landlord that they still had not received the check. I called MoneyLion immediately and was told " give it one more day ''. We did and the check never arrived as promised. I called back again on XXXX and asked for a stop payment and was told I can not do do that since the check has already been processed and they would escalate the issue and " someone would be getting back in touch with me in XX/XX/XXXX hours ''. I patiently waited and did not receive any correspondance. I called again on XX/XX/XXXX and demanded to speak with a supervisor by the name of XXXX XXXX and she assured me she would escalate it personally and refund me for a late fee I have now incured because my check is considered late for rent and " she would call me back in 24-48 hours ''. Again, no call. I called again on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and have been told it is out of their hands as the issue has been " escalated ''. I have also sent multiple emails requesting my money to be reimbursed. I have been given the run around and no money has been returned as promised. As a bank with my money in it, I'm not sure why this can not be done ASAP. Please help me look into this. Amount owed is {$570.00} plus a late fee due each day that the check has not been received in the amount of {$150.00}. Thank you! 
How it started
Product: Debt collection

HIPAA Violations, please review documents. Please Not this is my second HIPAA violations dispute to Americollect.

Americollect did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights.
Product: Student loan

I applied for the PSLF program and was told my employer was eligible but that I was in the wrong type of repayment plan and even though I am approaching 10 years of payments none of them count toward forgiveness.
Product: Mortgage

Mr. Cooper, my mortgage company, continues to deadname me. I have submitted my legal name change documentation as requested, and while it was processed in some form ( after two tries, the first time they failed to update my first name and only updated my last name ) such that my statements and tax forms have my correct, current, and legal name, their online service portal and their transaction descriptions when debiting my bank account continue to use my prior deadname. I have contacted their support via phone and chat at least four times, and each time been promised that it was fixed, that they just needed to delete my online account and then have me recreate it. When I go through that process, their website says " We're having trouble finding your loan '' with my legal last name and XXXX. Tellingly, it will find it under my prior ( dead ) last name. However, continuing with that process just results in a new online account where I am again being deadnamed. At this point their failure to fix this is harassment and discrimination.
Product: Credit reporting or other personal consumer reports

Capitol One sent me a letter, closing my account due to improper usage of their card. Anyhow, I have never paid them late, but they have continued to draft my account for payments, and I have asked them to correct the 30 day late on my credit, even though they closed account. They have honored my request to not draft any longer, however, I paid them on XXXX XXXX and my bill was due on the 29 days on the XXXX, so, I was not 30 days late. I am not sure if I flied this complaint already, but i do not see it in my XXXX
Product: Mortgage

Tried multiple times to try to change password and the system has my correct email and asks me to pick a method to verify and only offers my email which is correct. The system keeps posting " please pick a method '' and won't move past that even after my repeated attempts. 
I then have called customer service twice and it won't get me to anyone in tech support or anyone to talk to. Just keeps repeating itself and then hangs up on me. 
When I say " yes '' it says XXXX are having trouble ' and asks same question again. NO SERVICE. Worst system I have dealt with.
Product: Bank account or service

one main financial ran an inquiry on my XXXX XXXX and XXXX credit reports with out my permission, and i cant even find out who this company or bank is
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and the account in question is XXXX XXXX. 

On XX/XX/XXXX I spoke with XXXX XXXX ( Executive Office of Customer Advocacy ) to discuss the accuracy of reporting using their system generated data being reported to your computer data. 

He advised that according to XXXX, XXXX, and Transunion the discharge date of the bankruptcy filed XX/XX/XXXX was discharged XX/XX/XXXX in which this is where XXXX got their information from. In addition, he also advised that the first date of delinquency was XX/XX/XXXX and was reported 60 days late on XX/XX/XXXX. According to XXXX, the first date of delinquency is XX/XX/XXXX and there was a balance of {$1600.00} which is not indicated on either report. 

Why is there not a payment history for XXXX  or XXXX  to reflect the reporting and why was the payment history removed? As there is no uniformity or consistency amongst the reporting. 

Please send me copies of the documents that you have in each of my files for XXXX, XXXX, and XXXX. files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified using the E-Oscar system. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, contacted Equifax via internet and phone regarding a security freeze. 

I called XXXX and was asked to identify myself. The system asked me XXXX questions I could not answer. The information was unknown to me. 

After several attempts online, Equifax finally froze my credit report. 

On XX/XX/XXXX, I called Equifax at ( XXXX ) XXXX for another reason and was again unable to verify my information. 

XXXX questions were about an auto loan. I have no auto loan. 

My frozen credit report from Equifax shows no car loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my numerous efforts to inform you that I am a victim of identity theft and I write to dispute certain account in my file causing from the crime. The account I am disputing do not relate to any dealings attaining any ownership of properties, facilities or money that I have made or approved. Please block the reporting of any information in my credit file that leads to an alleged identity theft. This account is unknown to me. Also, the information you provided on the account is DELETED from other bureaus. 

XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : $ XXXX Late Dates XXXX
Product: Checking or savings account

I have tried numerous times to provide maturity instructions for my CD 's with TIAA Bank. I want my CD 's closed at maturity and a check mailed to me at maturity, which should not incur any kind of fees. However, TIAA will not accept maturity instructions, only giving me the option of having the CD 's paid out early and charging me an early withdrawal fee or automatically renewing the CD 's for another term with TIAA.
Product: Credit reporting or other personal consumer reports

The creditor performed this inquiry without permission ; it is not authorized! Remove it at the earliest.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a customer
Product: Debt collection

I AM TRYING TO PAY THIS DEBT. SPOKE TO THE COMPANY NUMEROUS TIMES AND AGREED TO A SET AMOUNT. HOWEVER I TOLD THEM I WAS NOT PAYING UNTIL I RECEIVED WRITTEN CONFIRMATION THAT A ONE TIME PAYMENT THAT WE AGREED UPON WOULD DEEM THIS ACCOUNT PAID IN FULL AS I NEED THIS TO MOVE INTO AN APARTMENT SO TIME IS OF THE ESSENCE. RECEIVED VERBAL COMMUNICATION MULTIPLE TIMES IT WOULD BE SENT AND IT NEVER WAS. I NEED THIS RECTIFIED ASAP. SOON AS WRITTEN CONFIRMATION OF PAYMENT IS RECEIVED I WILL PAY. WE ALSO AGREED UPON A CASHIERS CHECK BEING SENT WITH TRACKING A WRITTEN CONFIRMATION OF PAID DEBT IN FULL 72 HOURS AFTER PAYMENT IS RECEIVED. THEY NEED TO ABIDE BY WHAT THEY COMMITTED TO.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, and I appreciate you taking the time to repair and update some accounts from my credit report ; however, there are still accounts that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are fixed. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX Balance : {$0.00}
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 XXXX XXXX : Account # : XXXX XXXX XXXXXXXX : Account # : XXXX XXXX XXXX XXXX : Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX : Account # : XXXXXXXX XXXX XXXX : Account # : XXXX XXXX XXXX : Account # : XXXXXXXX XXXX XXXXXXXX : Account # : XXXX XXXX XXXX XXXX : Account # : XXXXXXXX XXXX XXXXXXXX : Account # : XXXX XXXX : Account # : XXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXX : Account # : XXXX has violated my rights. Or list of inquiries 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, credit repair services, or other personal consumer reports

First, We have yet to receive our XXXX Settlement from CFPB!!!!!!!!!! 
XXXX XXXX XXXX XXXX ... WHAT MORE CAN I SAY! 
This Mortgage Lender failed to accept my PAY-OFF MONEY! This Mortgage Lender 1st took Forced Placed Insurance in XX/XX/XXXX NEVER mailing notice of such ACTION! For 10 years my payments were diverted to FPI ... EVEN after our XXXX   Agent talked on the Phone to Green Tree, changed the necessary Policy requirements per Green Tree, SENT us a FAX with the Detailed Policy Changes THAT we immediately adhered too yet Green Tree continued their GREEDY pursuit and over the next seven ( 7 ) years deducted more than {$30000.00}!!!! We know this because we Subpoenaed Green Tree 's Records for a Small Claims Case XX/XX/XXXX. We LOST THE CASE BECAUSE THE STATUTE OF LIMITATIONS! This is ALL XXXX  because my 1st XXXX  Complaint was way back XX/XX/XXXX. After 36 Complaints to XXXX, FTC, FCC ( Phone Harass ) CA 's Business Oversight and a multitude of Sen, Reps both State &  Federal ... THIS PREDATORY LENDER WAS ABLE TO REMOVE THOUSANDS FROM THEIR HOMES AS WE WERE IN XXXX ... I HAD A CHECK FOR THE SALE OF FARM PROPERTY THAT WAS FAR IN EXCESS OF THE MORTGAGE PAY-OFF FIGURE!!!!