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

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. The following personal information is incorrect Account Number XXXX XXXX XXXX XXXX XXXX XXXX  2. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX, XXXXXXXX XXXX XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 
4. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 
5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 
6. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX XXXX Delete this account.
Product: Debt collection

I received iv er 10 calls per day for thr past 30 plus days from Kay Jewlers attemping to collect a debt, in which I have not received written notice.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX - Collection XXXX XXXX XXXX - Collection XXXX XXXX XXXX - Late Payment XXXX XXXX XXXX XXXX XXXX Payment XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX  XX/XX/year> XXXX XXXXXXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX, XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have been unemployed for three months now and lost my unemployment benefits. It could take three weeks or lose them totally. I was asking for a short deferment on my loans so I can get a job and start repaying my loans. I was 30 days behind on a loan and called them for help in this matter. On XXXX XXXX, I spoke with Navient about getting help to resolve this issue. I was told that they would help me if my co-signer was not able to help. Navient spoke with my co-signer and since she is on a fixed income, she could not help. A week later I received a call from Navient saying that I need to make the full payment and they were not going to work with me. So today, I called Navient again on XXXX XXXX, 2016 and asking what kind of program they have for an out of work veteran. I was asking for a short XXXX3 month deferment so I can find work and start repaying my loans. I was told that there was nothing they can do because I exhausted all my forbearances in the beginning of my loan. I was force to take a low paying job right out of XXXX school because they stated that my externship is part of the school and If I did not get any job that was in the XXXX field, I would not graduate and would never get a XXXX degree from that school. We were all promised high paying XXXX jobs when we left school. I did not and have been fighting hard to pay for my loans. I, myself, and co-signer are tired of all the harassing phone calls from Navient. They will hang up the phone if you tell them that you are recording the conversation.
Product: Credit reporting or other personal consumer reports

I submitted a complaint on XX/XX/24 via CFPB regarding an account being furnished on my credit report which lists your company as the original creditor. In my dispute, I stated that I had no recollection of having an account with CASH FOR WHATEVER and requested debt validation. I further stated that all correspondence should be sent via CFPB for legal proceedings and for the simple fact that I do not have a mailing address that I feel comfortable giving this company. The company responded to CFPB complaint XXXX ignoring my request stating that information will be sent directly to me. There is no possible way for me to receive ay correspondence from your company via mail. This is my last resort. If the requested information is not sent via CFPB within 7days, I will have no choice but to further seek my options in small court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account with Citi financial opened XX/XX/XXXX. On XXXX XXXX has XX/XX/XXXX. The highest credit was {$9200.00}. XXXX XXXX has {$13000.00}. This loan has been sold five times. My compliant is with Citi Financial as well as XXXX XXXX. Citifinancial sold to XXXX XXXX, from XXXX XXXX  to XXXX XXXX, from XXXX XXXX to XXXX and currently XXXX XXXX is trying to collect. I feel I have paid this loan in full. I never boworred {$13000.00} form Citifinancial. I believe this information is outdated. All companies listed stated collections under Citifinancial. I began Citifinancial reported having received {$5800.00} when transferred to another lender in XX/XX/XXXX. On XXXX   {$4700.00} activity designation paid and closed. XXXX received payment up until XX/XX/XXXX
Product: Mortgage

Loancare services my XXXX XXXX escrow account for my VA mortgage loan. A year ago they said I had a {$94.00} dollar per month shortage and increased my mortgage. Today, I get a new statement saying I now have a {$220.00} per month shortage. They also do not pay my county taxes correctly. They paid them late, and incorrectly XXXX last year, and this year they have the amount wrong. They have two payments of {$1400.00} for county taxes when it is suppose to be {$1500.00}. Their one job is to manage my escrow account and pay my taxes and hazard insurance, and they can not get it right. Their last escrow account adjustment should have corrected the problem " shortage '', not made it worse. They have my {$1100.00} a month mortgage up to {$1700.00} now. As a XXXX XXXX on XXXX and XXXX XXXX, I can not afford to have my mortgage raised every year because of mismanagement of my escrow account. XXXX XXXX needs to hire a new loan servicing company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX XXXX : {$11000.00} & XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

According to XXXX XXXX, I was identified as being compromised in recent security breach. Since that breach the following suddenly appeared on my XXXX credit report and affecting my credit score.

1 ) XXXX suddenly froze my credit file since breach for no reason. Credit file reads " Credit File Status File Blocked For Promotional Purposes ''. I never asked or requested my credit file to be frozen. I need help with removing this wrong credit file as blocked.

2 ) XXXX reports says " payroll is payroll deductible '' which is an obsolete comment entry. Obsoloete since XXXX 2011. 

3 ) XXXX XXXX ( CLOSED ) - a ) reports as charge off in Comments 1 when it was sold to third party.

b ) Comments 2 reports : " payment is payroll deductible ''.
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, because they pulled my report as a soft pull, hard pull without my written or spoken permission. 
Account that pulled my report without permission : XXXX XXXX Account # XXXX Hard Pull : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Soft Pull : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  XXXX Inquiry XXXX : XX/XX/XXXX and XX/XX/XXXX XXXXXXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX, XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date Inquiry Dates:XXXX and XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 15 U.S.C 1681 section 602 A : states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions.

According to 15 U.S.C 1681n ( A ) ( 1 ) : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.

I am entitled to a full {$1000.00} ( violation ) payment. Please process the payments as soon as possible and provide me with written confirmation through mail that the payment has been completed.
Product: Mortgage

I WAS IN NEGIOATION WITH WELLS FARGO CONCERNING A LOAN MODFICATION AND MY HOUSE WAS SOLD. I SENT IN ALL THE PAPER WORK THEY WANTED BUT I KEPT GETTING DIFFRENT HOME PRESERVATION PEOPLE EVERYTIME IT WOULD BE A DIFFRENT ONE AND THEY KEPT SAYING THEY DIDNT HAVE THE RIGHT PAPERWORK I INLISTED COMMUNITY ACTION TO XXXX ME AND WAS TOLD THAT THEY DIDNT SEND ANY PAPER WORK WHICH WAS NOT TRUE THEN THEY SOLD THE HOME ON XXXX2016 AND I THOUGHT THE SALE WAS THE XXXX I KEPT CALLING WELLS FARGO AND NO ONE WAS RETIURNING MY CALLS WELLS FARGO IN MY CASE DID NOT GIVE ME THE PROPER HELP IN PRESERVING MY HOME I BELIVE THEY JUST WANTED IT BACK
Product: Mortgage

This is a current complain # Case number : XXXX. 

I received the following message on XXXX/XXXX/2015 : The company has provided a partial response to your complaint number XXXX describing the steps taken so far to address your issue. They stated they are still working on your issue, and you should hear from them again within 60 days. 

More than 60 days have expired and the issue has not been addressed or resolved. AND The log in and password I created for this site NEVER works no matter how many times I reset the password so I have to keep filing new complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I filed a complaint with CFPB against Experian ( Complaint No. XXXX ) regarding an incorrect balance on an account. Experian responded that they would update my credit report to reflect the correct balance of {$0.00}, but instead they changed the balance to " Not Reported. '' There is no balance on that XXXX account. XXXX submitted a XXXX to the IRS, which means they CANCELED the debt. I have paid taxes on that amount as earned income. The balance should be XXXX DOLLARS. To say " Not Reported '' implies that there is a balance and it just wasn't reported. This is misleading. I want Experian to do what they already said they would do and list that balance as {$0.00}. 

I am attaching a copy of my original complaint showing Experian 's response in which they agree to update my balance to {$0.00} and a copy of the updated credit they sent me which does NOT list my balance as {$0.00} ( please see page six of the credit report ; I highlighted the relevant part ).
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. 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

To Whome It May Consern : This Letter Is regarding account XXXX XXXX  Bal XXXX Setteled XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which you claim. This is Formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting 'validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the out coming of my investigation that you submit, you are instructed to take no action that could be detrimental to any of my credit report. 

Failure to respond within 30 days of receipt of this certified letter may result in small claim legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for ; - Defamation - Negligent Enablement of Identity Fraud - Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) - Violation of the Fair Credit Reporting Act ( including bt not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Credit reporting or other personal consumer reports

Upon reviewing my latest credit report, I found that unauthorized credit inquiries remain unresolved, indicating a compromise of my credit under your supervision. Despite submitting FTC report # XXXX, these issues persist. I have previously contacted the companies listed below, requesting the removal of these unauthorized inquiries from their records and all credit reporting agencies. They confirmed their intent to comply, and each company received a certified letter confirming the inquiries were unauthorized. I now demand the immediate removal of the unauthorized inquiries listed below. This complaint concerns several unauthorized hard credit inquiries on my report, with XXXX  ( XXXX ) inquiries still present. Enclosed is my new FTC report, number XXXX, for your reference. I am extremely frustrated by your lack of action. When will EQUIFAX address and remove these erroneous hard inquiries from my credit file? My requests have been ignored for months. Cease delaying and remove the following inquiries, as well as the addresses I do not recognize : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Under Section 605B ( a ) of the Fair Credit Reporting Act, you are required to remove items opened without my knowledge, consent, or authority within four business days, provided you have ( XXXX ) appropriate proof of my identity; ( XXXX ) a copy of an identity theft report ; ( XXXX ) identification of such information by me; and ( XXXX ) a statement from me that the information is not related to any transaction by me. This letter serves as formal notice that if these inquiries are not removed from my report, I will take legal action. My attorney is aware of my intentions and is prepared to hold you accountable for noncompliance. This is my FINAL WARNING. Remove the inquiries resulting from erroneous credit reporting immediately. Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

I was dealing with a XXXX XXXX to add an authorized user to my account to help with their XXXX XXXX. That user got my personal information and ordered themself a card and made several charges totaling {$5400.00} on my account. Chase said the authorized user transactions were made with the chip so they had a physical card. 

I called chase to have the amount of {$5.00}, XXXX removed from my card. Chase cancelled the card twice credited my account and issued me a new card and they transferred the same amount to the new cards again.

Fraud department did not help because they said I added that person and saying that I'm responsible for the charges. 

I did not give the XXXX a card and I did not authorize the purchases they made. 
I have always been told that if you add and authorize user to your account they don't receive a card the card gets mailed to me the card holder, and they don't have access to my personal information. 

I want Chase to remove this charges and credit my card then I will close my account with Chase it was a XXXX XXXXXXXX XXXX