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

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions 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 These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Response from Experian is a violation of FCRA. Initial request for reinvestigation was NOT XXXX XXXX! 

XXXX XXXX XXXX was the initial request for reinvestigation that was ignored and again on XX/XX/2022 that was previously investigated and deleted!
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I looked at my credit report this morning, I was shocked to find inaccurate accounts listed, and I cant figure out how this could have happened. I check my report often, and Ive never seen anything like this before. Thinking it might just be a temporary issue, I refreshed the page several times, but the incorrect accounts didnt disappear. I feel helpless and am pleading for a thorough review of the documents Ive provided so this can be permanently resolved.
Product: Checking or savings account

My husband and I have an XXXX  Account that we haven't been able to use for a few weeks now and we do have money in our account. we have tried to call them several times and the response is always " the XXXX  department is not available please leave a message '' We leave messages and they never call us back. We need to pay for health appointments and we always use this card and now we have no way to access this XXXX  Account We need help. On the upper left side under the XXXX  it says A Division of Webster Bank. N. A This is a Debit XXXX card. The # in the back is XXXX or XXXX. Lower right back of the card has a little star in a square with XXXX under the star In the bottom of back of card in small print it says This card is issued by XXXX XXXX  pursuant to a license from XXXX XXXX XXXX XXXX XXXX. I hope you can help us resolve this issue. Thank you XXXX XXXX XXXX My email is XXXX My husband XXXX XXXX also has a XXXX card.
Product: Credit reporting or other personal consumer reports

Im not liable for this debt Creditor : XXXX XXXX XXXX XXXXXXXX I don't have a contract with this agency.They didn't provide me with original contract as requested nor my signature The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

I looked at my Experian, XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

I sent a certified letter back in XX/XX/XXXX requesting for information about this debt that they said they I owe never got a response back but someone indeed receive the letter. I called today to try to work something out however got the phone imaging up in my face five times before finally speaking to someone and the woman that I spoke to was very rude and unprofessional and she was not willing to work with me or understand my situation. I explained to her I am currently unemployed. I lost everything back in XXXX and now Im trying to get everything in order for myself and now due to COVID 19 its a lot harder for me to do those things. I am currently not working and its hard enough as is to try to get things together for myself and children. The amounts she gave me to pay was high and when I asked to speak to a supervisor or manager she refused me and told me those were my only options.
Product: Vehicle loan or lease

My vehicle was repossed from my property with out any notice from Ford Credit. They sent a third-party towing to seize my vehicle. It has been a month and I have not received any notice of what happen to my vehicle. I tried contacting them by phone and email. NEVER replied to any of the messages sent. If I know by law a vehicle can not be repossed by a third party that is not included in the loan contract. I have filed 1099A for the full price of the vehicle and claimed the income in my 2022 Taxes. The vehicle is paid in full. Ford Credit has not answered or returned my vehicle. What can I do I need a vehicle to go to work.
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX, and XXXX are reporting an account and balance that do not belong to me. I have sent a letter requesting deletion several times, but the account still appears on my credit report month after month. I have attached my letter of removal below. Thank you.oval below. Thank you.
Product: Vehicle loan or lease

I have been struggling to make my payments due to illness and two sudden deaths. The bank would email me daily about payments - even after I told them I was dealing with two deaths- they still continued sending me messages. Then on XX/XX/year>2025 AND XX/XX/year>2025 they offered me an option to pay {$36.00} and close out the month then tack the missed payment onto the end of the loan. I paid {$40.00} on XX/XX/year>2025 - however - they are telling me that since I did not specifically type the words " I agree '' - they will not honor the offer and I am still in " late '' status. They are now telling me that to get that to happen, I need to pay another {$58.00}. I did what I was asked and now they are holding me hostage to making another payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I made a settlement payment to XXXX XXXX on behalf of Affirm , Inc for {$120.00}. The balance was settled and I was told that the information would be updated on my credit report. I filed a dispute and Affirm certified to XXXX that the account was valid. My confirmation # for the payment made to XXXX XXXX is XXXX. I pulled my credit report on XX/XX/2023 and XX/XX/2023, it showed that my account had not been updated. I filed another dispute because the balance of the balance with XXXX and submitted my documentation of payment and information from Affirm showing that the account had been paid. I then contact XXXX in regards to this matter and they verified that they had received the payment and that the account had been resolved however they would not send over information to the credit bureaus until XXXX to 60 days from proof of payment. I stated to the representative that a request from the credit bureaus had come over for verification of the account and the balance. He stated that they would not update the account even though the show that the account has been settled and paid. They would continue to report the account as being delinquent until XXXX to 60 days which incorrect reporting. I'm in the process of purchasing a house and this is a hinderance for me to move forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WOULD LIKE TO HAVE THE FOLLOWING ADDRESSES REMOVED FROM MY CREDIT REPORT THEY ARE NOT MINE : XXXX XXXX XXXX, XXXX, AL XXXX XXXX   XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX, XXXX, AL XXXX MY EMPLOYER IS XXXX MY DOB IS XXXX MY SS XXXX MY NAME IS XXXX XXXX XXXX
Product: Student loan

my federal loan was with direct plus. When they consolidated all my loans my new loan was w ith Navient.  My loans went from  XXXX  to  XXXX . the fees are through the roof. I tried to set up payments under the student loan forgiveness program. The told me not possible because they purchased my federal direct federal loan. I explained that I was a public service member for the united states  XXXX . the only options that have provided is a forbearance. I saw in the news about  the Navient law suit  issues and was given this site to file a complaint from   XXXX   XXXX  .
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, which has resulted in the fraudulent use of my personal information. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that all fraudulent accounts and inquiries listed below be blocked and deleted from my credit file. 
Accounts to Be Blocked and Deleted XXXX. XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$1000.00} XXXX. XXXX  XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$5000.00} XXXX. XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$3500.00} XXXX. XXXX PL Account Number : XXXX Opened : XX/XX/XXXX Balance : {$1400.00} XXXX. XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$6700.00} XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$1100.00} XXXX. XXXXXXXX XXXX  XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$1300.00} XXXX. XXXX XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$4000.00} XXXX. XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$1000.00} Inquiries to Be Removed XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX
Product: Mortgage

I missed only 1payment and called PHH mortgage. PHH mortgage told me that they would help me with a loan modification. Still I sent a payment on XX/XX/XXXX, even though I wasn't making enough because of a commission job. So I receive documents through my email about the loan modification to fill out. I fill them out and sent these 11 documents to their email address. I called PHH they stated that they have received the 11 documents on XX/XX/XXXX said that they are reviewing to call back in 5 business days. So we called back on XX/XX/XXXX PHH stated that the 2 check stubs was not legible. Stated that the forbearance plan has ended so can we pay XXXX dollars. I was shocked that they lead me to believe that they would help me being a Veteran that have served my country. So I find out that due to what PHH mortgage did, brought my credit score down that I couldn't even borrow the money. I resented the documents. They stated that on XX/XX/XXXX they didn't have the documents and ask do I want to talk to another relation Manager in more days. So on XXXX the agent spoke with us and said that the check stubs are not clear. So I stated that Iam just starting sending the payments. The agent stated that if I send the payments that they would send them back. Made another appointment on XX/XX/XXXX at XXXX.and said my check stubs that I went to the post office to send was still not clear. So now our home they said is going into foreclosure on XX/XX/XXXX. VA XXXX XXXX loan specialists sent them a cancelation for 60 days. And they still wouldn't give us this grace that they cause. So they didn't even honor the VA. The relationship Manager XXXX ) said this.
Product: Credit reporting or other personal consumer reports

Delete the inquries and erroneous errors on my credit reports.

I have no knowledge of these inquiries.

I have attached an FTC Affidavit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Product: Mortgage

This is the last email I send about you not applying my payments for XX/XX/XXXX-XX/XX/2016 and removing the delinquents from my credit report. I am contacting CFPB on Friday XX/XX/2016 regarding you posting practices and how you have destroyed my chances of getting a loan for a property. I do not know the loan number since it was sold and paid off in XX/XX/XXXX. Then you returned the checks that were not applied. I need a response by Friday morning or I will be contacting CFPB, I have been writing you since XX/XX/2016, It should not take 8 months to get this corrected. OCWEN never applied my payments for XX/XX/XXXX- XX/XX/XXXX because I did not write the account number on the check. It was left in limbo and they sent the mail that I was delinquent to the wrong address and had all the mail returned to them. After years of paying on time, they will not take the delinquents off my credit reports, thus I am not able to obtain another mortgage. I sold the property and paid them off. I thought I would be able to purchase a new home in XX/XX/2016, it is now XX/XX/XXXX and I still ca n't get a mortgage because of them. I am virtually homeless, since I sold my home. I have been living with my mother, and my son and my daughter. I have called and written them several times to have it removed and to no avail. I need this removed immediately so I can get a place to live. It is unfair that such a careless outfit can determine my destiny.
Product: Credit card or prepaid card

I have an XXXX credit card that was through XXXXXXXX XXXX I had updated my mailing addr with them several times. I had auto-payment set up for my bills so that they would never be late and wasn't a card that I used very often. I had e-statements turned on as I've had several issues with not getting mail. XXXX changed from XXXXXXXX XXXX to Capital One but I didn't receive that information from XXXX or Capital One. I'm not sure exactly when the switch occurred but looks like in XX/XX/XXXX. I found out in XX/XX/XXXX from my mortgage lender when they pulled my credit for a pre-approval letter. I previously had a score of over 800 and when it was pulled it was in the 620 range. I thought it was an error since I didn't even have a CapitalOne account and found out that it was my XXXX credit card. I never received any of the information on the switch or the new card and so it was never activated. I'm assuming the statements were returned as well as I never received them. They didn't transfer over my auto bill payment, didn't retain my e-statement preference, didn't try to call ( or text with a payment reminder ) and didn't try to email even though they had my cell phone number and email. They said that XXXX XXXX gave them a wrong mailing addr. Due to that, I was charged late fees each month ( XXXX, XXXX, XXXX ) and it was reported to the credit bureaus. Since I never received the information, there was no way for me to know that there were any payments that were late or any way to have even made the payments since I didn't know who held that card ( or that it changed ). After I found out what had happened ( XX/XX/XXXX ), I asked how to dispute it and was told that I'd have to wait to get a replacement card to get the acct number so that I could dispute it. It took them another month ( and several calls ) for me to receive a replacement card ( XX/XX/XXXX ). Their dispute process is done through the mail ( which is clearly not secure at all ) and requires a lot of sensitive information ( name, acct #, SSN, DOB, addr ) instead of using a secured server. They then couldn't even tell me if they received it for their review period of 30 days. XXXX XX/XX/XXXX, I receive their decision which was that they weren't going to do anything to remove the late fees ( other than XXXX, they did remove the late fee for XXXX ) and weren't going to remove the late payment information from their system or the credit bureaus ( which is what I need the most to buy a house ). They have access to look at my payment history with XXXXXXXX XXXX which is spotless and all of my other payment history is spotless as well. Hopefully when other companies do this type of switch, they would say who they are switching to and if you don't hear anything by a particular date to contact whomever and give contact information as XXXX didn't do that.
Product: Mortgage

Nationstar mortgage servicing company has placed a real estate tax escrow on this account and refuses to remove it even though the owner has paid the taxes herself. They are treating the account as being in arrears and holding the P & I payments in suspense account and treating those as in arrears also. There are no Taxes due and the city has stated that all payments ( 2of them ) by the mortgagee will be returned to the mortgagee. In spite of numerous tel. calls, during one of which the agent of Nationstar gave me deliberately false info. and after four letters detailing this, they still refuse to rectify this and record the payments properly and remove the escrow. This is now damaging the owner 's credit by showing up as late payments and arrearages.The letters are dated : XXXX XXXX ; XXXX XXXX ; XXXX ; and XXXX XXXX all of 2017. The phone calls were in between with the false info. coming in the phone call on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$870.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$600.00} XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXXXXXX Balance : {$300.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are inquiries and accounts I that have no knowledge of. These accounts were created after my information was stolen. I am requesting these items be-removed from my credit report. XXXX XXXX is not mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have wrong address and names in my credit report I went remove
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, has violated my rights.

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

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

P.s, To whom it may concern I was never once notified in writing by XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I owned a rental property that was sold in XX/XX/2021. 
It was managed by a management company. 
The buyer, per our agreement, was to switch over utilities when they bought the property, I didn't immediately turn it off because people were living there. 
As you will see in the documents the buyer never switched over accounts on XX/XX/2021 and I continually got billed into XXXX. 
The management company which handled all the bills never notified me. 
So i never knew about any of the bills or anything until i checked my credit score and saw I owed {$9000.00}.

Eventhough the bills didn't belong to me I paid off all of the bills and XXXX whole.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit limit was lowered from $XXXX to $XXXX  because Wells Fargo got a report from a credit bureau that told them my limit should be lowered. I never made a late payment or have a bad score and this should not have happened. Not to mention that I did not allow credit bureau to share any information with my financial institution.Wells Fargo representative stated that this was caused by late payments I made to some other lenders, but I never had any late payments, but she could not see what or where, and was just following direction from the credit bureau. She could not even share that report with me, which I am pretty sure was illegal.