23daVinci/CFPB_Complaints huggingface dataset:
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 rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 reparation 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 containin any of the following items of information. Any other adversed 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 the person knows or has reasonable cause to believe that the information is accurate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

XX/XX/XXXX - Bought beats headphones on amazon for {$160.00} XX/XX/XXXX - Spoke with Amazon, they say shipped and delivered by XXXX on XX/XX/XXXX XX/XX/XXXX - Initiate dispute with Chase about purchase XX/XX/XXXX - Chase sides with Amazon and purchaser regarding dispute. 
XX/XX/XXXX - Go into Chase bank to re initiate dispute as Chase needs it in writing. Branch faxes it to dispute number. 

XX/XX/XXXX - Reach out to Chase about new dispute, says never received fax. Thanks Chase XX/XX/XXXX - Apartment building shipping locker is reset, package is found and was in there, correctly delivered. Initiate return with Amazon on this day. 

XX/XX/XXXX - Item is shipped back within return window XX/XX/XXXX - Reach out to Amazon about refund, says already processed, no refund on Chase credit card. Re initiate dispute with Chase XX/XX/XXXX - Chase closes dispute, not changing the original decision.
Product: Credit reporting or other personal consumer reports

I got an alert from XXXX XXXX on XX/XX/XXXX saying I had a hard inquiry on my credit, after checking there was an unauthorized XXXX  XXXX XXXX  credit card inquiry on my account that I never inquired about or approved. The report was through Trans Union
Product: Mortgage

Entered into a short sale 1 month before the seller declared bankruptcy. A {$170000.00} judgement from default of a business loan. A third lien holder was assigned to the home. After the dust settled and with consent of the sellers we provided a HUD-1 to the bankruptcy trustee to move forward with the sale of the house. The cost of the house {$800000.00}. The HUD-1 represented the payoff to XXXX and XXXX mortgage holders and {$25000.00}. for removal of the lien from the judgment. This appeared to allow the short sale to move forward. Because of the HUD-1 showed funds that would be available for her creditors. The trustee petition the court to hire an attorney, then used our HUD-1 to file an adversary case ( XXXX ) to remove the judgment. After nine months we expected a revised HUD-1 with the trustee as the third party to develop and move forward with the short sale. To everybody 's surprise Nationstar the senior lien holder changed the price of the house and increased it by {$90000.00} which was way out of align with the value of the other homes. Nationstar has around {$750000.00} payoff. You could ask yourself why does n't Nationstar sell the house and just take what 's owed. Four months, after trying to negotiate a sale, we were told that Nationstar is like a bank. Unlike a real bank that requires to have percentage of cash in its reserves Nationstar uses the asset as the reserve. If the house was bought buy the previous seller at {$1000000.00}. the bank looks at its book value and compare is liability. They are {$250000.00} into the money. Immediately this property became a valuable asset to their portfolio. Nationstar uses advances through securitization of servicing agreements. Unlike XXXX and other banks Nationstar business is building a portfolio of performing assets. Nationstar had acquired a lot of properties in the last 2 years. The regulatory agencies have n't caught up. As far as this short sale is concerned Nationstar over stepped by misrepresenting to the Bankruptcy court. What 's in it for me. I am half of the HUD-1 the buyer. Half of that government document is me and Nationstar used it to remove a judgment for their own financial gain. I just wanted to buy the house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I discovered that i have been a victim of Equifax 's neglegence and incompetence in handling credit data. Equifax practically gave away to hackers my data and the data of half of America by storing it improperly ; if the data was encrypted, a basic standard in the data security word, it wouldnt have been accessed by hackers. Second off, i never approved them to obtain and store my data in the first place. How is it legal for banks. Etc to hand over my data to Equifax and similar companies without my consent? If they are going to store data they have an obligation to store it properly and there should be an opt out. I dont see how this company can continue to be in business after releasing all this data. They are only offering one year of free credit reporting to people affected by the breach. Thats unqcceptable. Our XXXXs and other data dont expire in one year so pretection from their mistake shouldnt either. Please update the laws to protect people from companies like Equifax.
Product: Credit card or prepaid card

HSBC Mastercard On XX/XX/2018, I made an electronic payment {$1800.00} to HSBC and On XX/XX/2018, the payment cleared my bank. This brought my balance to XXXX. 

On XX/XX/2018, I tried using my credit card and a charge of {$87.00} ( XXXX XXXX ) was denied. 

When I contacted them, they explained that the payment I made was being held for 2 weeks. 

This was very poor customer service, appears to be unfair and a illegal business practice. 

XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I contacted the XXXX  office who has the debt, this vehicle broke down immediately after having it not long. the dealership sold bad cars and had a reputation and was closed down right after I purchased. I was told by the dealer that they knew the car was a bad vehicle yet still sold it to me. they told me to contact the lendor XXXX XXXX XXXX  refuses to answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is a major credit reporting agency. I have been trying to repair my credit. In XXXX my credit was XXXX. I started paying on debt and In XX/XX/XXXX my credit score was XXXX and 1 week later its XXXX. I had paid off 5 accounts in collection, I opened no new accounts, and it seems like after I cancelled my membership with experian my credit score dropped dramatically and being that I still have a basic membership I have been receiving emails frequently saying something is effecting my score. I guess to show me the drop in my credit score so I could want to sign back up for the {$25.00} membership. Please check into experian scoring process it may be misleading consumers about lowered scores to make them purchase services and when a person cancels fee services they lower your scores. Another thing it's taking them months to remove debts settled. So if you have a hard inquiry they'll lower your score because of the debts still on your report.
Product: Mortgage

OCWEN gave me a loan modification for my property about 24 months ago but it was unaffordable. I paid it for about a year, but could not keep up with the payments because it was still a very high interest rate. I 've been trying to get another modification ever since to a 2 % rate similar to the government HAMP program.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like Equifax to remove the fraud inquires from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am the one filing a complaint. 

ON XX/XX/2021 I CALLED XXXX XXXX TO FIND OUT WHY MY ACCOUNT HAD BEEN CLOSED ON XX/XX/2021, concerning XXXX XXXX Account number XXXX. This is my fourth time trying to get this issue resolved. You continue to ignore the violations you are breaking by reporting information that supposes to be excluded from my consumer credit report. You ignore my dispute and place the blame elsewhere but you are the one WILLFULLY VIOLATING THE LAW which is another violation. By law, you can not continue to ignore and break the law. It will not hold up in court. Updating my credit report is not fixing the issue when you suppose to delete whatever violates FCRA Laws. This is causing me to get denied credit, causing stress, and is damaging my reputation. If you continue to be a lawbreaker I will have no choice but to sue you for the damages you have caused. It's a shame I have to continue to go through this cycle because you continue to not comply with FCRA Laws. It is very annoying, tiresome, and stressful. Please obey the law! If this doesn't get resolved I will file a lawsuit with damages.
Product: Debt collection

This is an extension compliant on report Case number : XXXX original complaint statement They are reporting XXXX accounts XXXX and XXXX I do n't not owe them a dime. I paid XXXX to original creditor XXXX paid in full. They do n't not have the right to report it to the credit bureaus as they do not own the accounts they are a third party. It 's only suppose to be XXXX account and they did duplicate accounts. I talk to XXXX XXXX XXXX paid them XXXX and verified there was only XXXX account. They are reporting inaccurate information to my credit bureaus. I do not owe them a dime I paid home shopping net in full XXXX!! 

They still do not want to delete debt from credit bureaus They are not authorize to collect interest as per original contract with XXXX XXXX XXXX the next step would be to go to the State General they have made false statements. They are govern by fair debt collection practices act California that they are violating here are some violations Debt collectors can not use obscene or profane language, threaten to illegally harm you or your property or your reputation, falsely threaten you or threaten you with illegal actions, cause your telephone to ring repeatedly to annoy you, or otherwise harass or abuse you. ( California Civil Code sections XXXX ; 15 United States Code sections 1692d-1692e. ) I have recorded them treating me they would sue me garnish my wages ruin my life is all RECORDED if I did not pay them right away they also curse me out when I dispute the debt and tell them I do n't owe them a dime Debt collectors can not make false or misleading statements ( California Civil Code sections XXXX, XXXX ; 15 United States Code section 1692e. ) Some debt collectors supply information on debts they are collecting to credit reporting agencies such as XXXX, XXXX, or XXXX. However, a debt collector can not threaten to report your debt to a credit reporting agency unless it actually intends to do so and unless the information it is reporting is true. ( California Civil Cod section XXXX ; 15 United States Code section 1692e ( 8 ). ) The key word is true they have been reporting inaccurate information for more then 2 years wrong amount and multiple accounts where there is only XXXX account proof of payment has been summited XXXX pics XXXX bill under XXXX XXXX last transaction on XXXX 2016 conformation number XXXX gave me is XXXX phone number they gave me for debt department is XXXX Here is a blog of other people with similar situations maybe class auction lawsuit is warrant here XXXX
Product: Credit reporting or other personal consumer reports

I declare that the information listed below is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information. Pursuant to the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ) ; Formal Request for Information : I am formally requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to assist in this identity theft investigation. Attached is a copy of my government-issued identification and a copy of the identity theft report. I am requesting these fraudulent items removed immediately from my credit files. 
XXXXXXXX XXXX XXXX XXXX : # XXXX : Balance : {$9700.00} : Date Opened : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX  XXXX : # XXXX : Balance : {$730.00} : Date Opened : XXXX XXXX, XXXX It is unacceptable, and a violation of federal consumer protection laws, that I continue to face harassment and fictitious debts due to the unauthorized account and unauthorized inquiries. Your agency failure to delete these fraudulent entries will be direct violation of my rights under FCRA Section 605B ( 15 USC 1681c-2 ) ( a ). The FCRA requires immediate removal of fraudulent information from credit reports following a valid identity theft report, which I have provided. Such inaction is further aggravating the distress caused by this identity theft. There has been no legal proof of the marks has been provided or proven. I have reported the theft of my identity to the Federal Trade Commission ( FTC ) and have enclosed copies of the supporting documents, including the FTC Identity Theft Affidavit & Other documents This unauthorized reporting has negatively impacted my credit standing. I respectfully request that the FTC, FDIC, & CFPB investigate this matter and take appropriate action to ensure that the erroneous and derogatory information is removed from my credit report. I am also pursuing complaints at federal levels to address these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$140.00} XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Signed up for the American Express Premier Rewards Gold card, last year around XXXX timeframe under the bonus offer of : Spend XXXX in the first 3 months and receive 45k points and also spend XXXX the next year ( from XXXX XXXX, XXXX to XXXX XXXX, XXXX XXXX and receive 2k additional points. 
I have spent the required {$2000.00} and still have not received the points even after contacting customer server 3 seperate times. The last lady I talked to said that marketing made a mistake with the dates. 
I have original screenshots of the original offer when first applying and also amex sent me an email reminder about the 25k points as well. 
I will attach to this submission.
Product: Mortgage

I found it hard to believe that WELLS FARGO BANK sent a letter addressed to my deceased wife, of which they are aware of, stating that the property is AGAIN under foreclosure proceedings and that the loan is 9 months past due. Furthermore, the letter stated that the mortgage assistance was not being considered when in fact, the Loan Modification was already approved by WELLS FARGO BANK, in which, the documents were ready for her signature. But due to her untimely death on XX/XX/XXXX, the signing of the documents were deferred by WELLS FARGO, and the closing lawyer they hired. 

On XX/XX/XXXX, I wrote an email to XXXX XXXX, Home Preservation Specialist of WELLS FARGO. Please see my email below for your perusal : Dear XXXX, For your ready reference, please let me share with you the excerpt from CFPB Bulletin XXXX, dated XX/XX/XXXX, starting on XX/XX/XXXX, a servicer must have policies and procedures reasonably designed to ensure that, upon notification of the death of a borrower, the servicer promptly identifies and facilitates communication with a successor in interest7 of the deceased borrower with respect to the property that secures the deceased borrowers mortgage loan. In issuing this guidance, the CFPB seeks both to assist servicers in implementing these policies and procedures and to promote home retention whenever possible for successors in interest faced with the loss of their homes due to the death of a borrower. 

The CFPB adopted the successor in interest provision of the Policies and Procedures Rule after learning about difficulties that some surviving spouses, children, or other successors in interest experienced in attempting to communicate with servicers. The CFPB has received reports of servicers either outright refusing to speak to a successor in interest or demanding documents to prove the successor in interests claim to the property that either do not exist ( e.g., probate court documents for an estate that is not required to go through probate ) or are not reasonably available. These practices often prevent a successor in interest from pursuing assumption of the mortgage loan and, if applicable, loss mitigation optionspotentially resulting in the avoidable loss of the home. In applying the Policies and Procedures Rule, the CFPB seeks to reduce the number of unnecessary defaults and foreclosures, including those following the death of a borrower. 

Basing on the above-stated Bulletin, may I request that Wells Fargo must adhere to its implementing guidelines and thereby amend the APPROVED LOAN MODIFICATION documents transferring the accountability of the Loan Modification from my deceased wife, XXXX XXXX XXXX, to my son and me, as early as possible. 

As Ive said, the Approved Loan Modification is so affordable to us ; and the question now remains, Why the delays. 

May this merit your utmost attention and consideration. 

Most Sincerely Yours,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX     2017, an unknow n hard inquiry pull was made in my credit report. To my knowledge I did NOT give written consent or approval for this hard pull to be made. In requesting I 'm asking to see a VALID signature made from myself personally giving consent for this company to run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three accounts on my credit profile that were unauthorized. They are from the same collector ; all have different accounts reporting to all three-credit bureaus and all have the same amount reporting. I reached out to the company for them to provide me with identity verification and an original contract with a wet signature from me. They could not furnish this information. I have demanded that they removed it from my credit report being that the information could not be furnished, and the account is listed as a charge off. 

company name : XXXX account numbers : XXXX ; XXXX : XXXX