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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECTION MANAGEMENT XXXX I looked at my EQUIFAX 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 supposed 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, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed 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: Student loan

I need help please me and my kids have been struggling cause i made a mistake on going to college XXXX in XXXX colorado i went for 3 weeks and was charged over XXXX and still have a judgemet of XXXX which they wont help me also still have to pay Navient already XXXX which is sal may how ever you spell it which i payed them another XXXX i cant do this any more i get calles from XXXXthrough XXXX from different people from Navient they say didnt get my XXXX last year income tax and that i haveny been paying them and i still owe XXXX and these loans i did n't know about until two years ago. College XXXX my kids life and mine. We been homeless because they took my income taxes i lost half of our things, i have been sick in amdnout of the hostipal because the XXXX my electricity has been turn off i ca n't feed my kids we have to reley on government assistant. Me and my husband works but it never enough for raising XXXX kids.. I need help please 9 years of harassment and struggling i cant do it anymore please help me amd my family please please
Product: Vehicle loan or lease

US auto sales use the tracking device that was placed on the vehicle at the dealership to track the vehicle down And repossess it without notice or knowledge
Product: Credit card

I have always ensured that payments on this account are made on time and are never overdue. However, I am unsure why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, this should be corrected.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XXXX XXXX, 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. 
These accounts are not accurate XXXX  XXXX bankruptcy Reference Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My lender XXXX XXXX XXXX XXXX XXXX has agreed to remove all late payments ( 4 ) and the remark repossession redeemed from my credit report. A copy of the attached letter was sent via USPS 45 days ago to all 3 credit bureaus XXXX XXXX, Experian, and XXXX XXXX per XXXX XXXX instructions. To date Experian and XXXX have not deleted/updated the late payments on my credit report.
Product: Mortgage

Mortgage company won't release my unpaid funds This loan was paid off XX/XX/XXXX, and I still haven't received my escrow balance, as of XX/XX/XXXX. Amerihome Mortgage keeps saying the check is in the mail, and to just wait longer. No solutions, just wait longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never received statements from  Wal -Mart. When  did get them I was in hospital and explained to them. Caught payments up and they closed my account. Have asked them to reduce interest rate or reopen account. This is the only mark on my  credit score .
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act .XXXX acct # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2.

It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021 XXXX XXXX   XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021
Product: Debt collection

My mother sent me a text message at XXXX XXXX on XXXXXX2017 giving me a company name and phone number saying they were asking for me. She told the person her cell phone number was not mine and the gentleman called my mother a XXXX. She sent me the company name and 2 phone numbers XXXX and XXXX. I called them immediately and spoke with XXXX, she informed me I had until XXXX XXXX that evening to pay it or they would file paperwork at the court and that I would have collection fees added to my balance. I asked for an email copy of my account which was sent to me. XXXX said that no phone call was made to mother that day. We went over my account contact numbers and removed my mother 's cell phone and my father 's home number while on the phone together. 

Today around XXXX XXXX called my work and stated to my co-worker XXXX she needed our fax number to send over garnishment paperwork. There was no mention of my work number while on the phone yesterday when I spoke with XXXX. I am not allowed to take personal phone calls at work on my cell or work number. I have never received any paperwork from this company before yesterday. 

They are rude and threatening. It should n't be allowed. I am willing to clear up my debt but I am not going to be harassed or lied to.
Product: Mortgage

I would like to make a complaint against Carrington Bank. XXXX XXXX XXXX sold my mortgage to this company in XXXX of 2015 with no notice to me. Carrington Banks has increased my mortgage payment with no explanation. When I try to call to ask, they claim it is because they need a " two month '' cushion for escrow payments. They have also consistently made sure that my payment is late, either by telling me that my bank account is not valid and then locking me out of my online account. These actions then force me to call Carrington and pay by phone which costs an extra XXXX dollars + the XXXX dollar late charge + the 30 day late payment on my credit report. Plus Carrington, then sends letters that they are starting foreclosing process on certain dates because my payment is late. I would like to refinance to get away from this company, but Carrington has made it impossible to do so because it looks like I am constantly late on my payments. PLEASE ADVISE HOW TO GET AWAY FROM THIS COMPANY!! 
I know I am not the only person to have these problems. If you look at the complaints on XXXX and other various online sources. There are many people facing the same issues. This mortgage business is not even BBB verified!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of these accounts. And it needs to be removed from all XXXX credit reporting agencies immediately. I did not provide express verbal or written consent to obtain any information about any of my personal and confidential private information.
Product: Mortgage

we got approved for a trial modification in XX/XX/XXXX for XXXX -XXXX- & XXXX XXXX we made all 3 payments by XXXX XXXX   and they kept XXXX payment in the unapplied funds never applied to our last trial payment so there for they said we defaulted! then we were told it will be fixed and we will resume with our modification! they lied XXXX XXXX payment was just applied on XX/XX/XXXX to our old amount! now they want to foreclose on us! they committed fraud and lied to us! help please
Product: Credit card or prepaid card

Capital One Visa Credit Card Company They promote themselves as a travel card yet I can't access my online account while I'm living abroad. Before, their online system would email me a security code to access my account. Now that feature has been removed and they must call you or text you on a US phone. I live in XXXX and have a XXXX phone number. They don't call or text international therefore I have been denied online access to review my statements, pay my bill, etc. 

This started for me on XX/XX/2019. They stated they escalated the issue and turned it over to a third party, whom they refused to reveal their name/company name. 

I've reported it to the XXXX Complaint Number:XXXX & now reporting this to you. This affects all Expats. I'm not the only one. I have friends that have been without access for 6 months. They are having to use a relatives phone number in the States and then they, in turn, call them with the texted code. CRAZY! Realize you only have so long to get the code and input onto the screen to enter your account. 

This is not a good business practice.
Product: Debt collection

I have attempted several times to get this collection removed that is from Santander Consumer. I have provided them with a FTC Identity Theft form and they still refused to remove this account from my credit file. This is not my account. Please help me to get this item removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$310.00} ; XXXX. XXXX  XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$380.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021.
Product: Debt collection

I've contacted PRA several times about an open collection account I have with the company. I have tried on several occasions to settle this debt, but the representatives will never put the settlement offer in writing until after I have already sent a payment.

I have even hired an attorney to deal with PRA, but they will not put anything in writing in regards to the settlement offer when corresponding with him either.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER 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 accounts 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 accounts XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} Bankruptcy XXXX  XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Child support Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Bankruptcy : XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Debt collection

Have XXXX on my account from this company never have had any info on what is for on my trans union report the number is XXXX and the second is XXXX do n't know what they are for we have had XXXX XXXX for years and the other says insurance and we have had XXXX for years so no clue and never been contacted about these or had any info
Product: Credit reporting or other personal consumer reports

I am writing a request the removal of unauthorized credit inquiries date XX/XX/scrub>XXXX Exeter Finance LLC/XXXX I did not authorize
Product: Mortgage

What and absolutely awful and deplorable organization this is. Every single person I attempted to have conversations with were rude and unprofessional. " Hurry up sir and can't have you holding up my line. '' Recently XXXX XXXX Mortgage sold my mortgage to a company called XXXX XXXX. Upon reviewing the letter received by XXXX, I reached out to XXXX XXXX via phone call to discuss the transfer process and ensure a smooth transition. It was incredibly unsettling when communications were established with XXXX to learn that they are a collections company. It was through many other follow up calls to XXXX about my account that it became evident that there was a considerable amount of unprofessionalism and lack of intercompany communication. It was challenging to find and obtain a member of this company who could provide me with the information regarding my account. After the unsatisfactory encounter, I started to do some research into XXXX mortgage. What I found was profoundly disturbing. I compiled a list of negative reviews. The sources for these reviews are known for their contributions to the consumer affairs environment. The XXXX XXXX XXXX registered 100 complaints in the last 3 years and give the company a D- consumer grade. As of today XX/XX/18 I reached out to my Credit Union for advice. The only choice is to refinance the home through my credit union. This comes a a stiff price of {$12000.00} in closing costs to accomplish and rid myself of the deplorable conditions currently experiencing with XXXX XXXX. There needs to be a better less expensive way to relieve me of something I had no control over.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : ( 4 ) The creditor 's failure to accurately reflect a payment made by the obligor or credit issued to the obligor on a statement.

( 5 ) A computation error or similar accounting error made by the creditor on a statement.

It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the above linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late - a sign of an invoicing error - therefore.

I humbly request that the subsequent entries be promptly updated on my consumer credit report to reflect their current status as follows : " PAID AS AGREED '' The following companies have violated my rights : 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusion. - Except as provided in paragraph the term " consumer report '' does not include - any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B : A creditor may not treat a payment on a credit card account, personal loan, etc under an open-end consumer credit plan as late for any reason or purpose.
Product: Credit reporting or other personal consumer reports

These accounts are illegal and I have already made an identity theft report. These collections are fraudulent. I've hired a credit specialist and I've placed security alerts on my bureaus. This is my second time having this issue with these accounts and inquiries that I did not authorize. Please remove them ASAP because its beyond illegal and I have contacted these companies numerous times and legal action will have to be taken. These accounts are fraudulent, illegal, I never ever opened these accounts. 

XXXX XXXX XXXX date opened XX/XX/XXXX {$310.00} XXXX XXXX XXXX  date opened XX/XX/XXXX {$470.00} XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX {$2300.00} XXXX Date Opened XX/XX/XXXX {$590.00} OneMain Date Opened XX/XX/XXXX {$13000.00} XXXX XXXX XXXX {$41000.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

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

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

I called Equifax on XX/XX/2022 to request that my credit report be made avialable to my mortgage broker. I was told that there was a fraud alert on my account and that I needed to send the following : Copy of social security card, copy of ID and a cover letter explaining what needs to be done. 
I sent certified mail on XX/XX/2022 with the requested info. USPS tracking number XXXX. 
I was told that it would take XXXX to business days to process my request. This has not been the case and they keep telling me that they haven't received any documents from me even though I have a confirmed delivery from USPS almost 20 days ago. 
This is the XXXX time they have put me through this routine.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and 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: Debt collection

I found out in XXXXXXXX XXXX XXXXXXXX that I was being sued in XXXX XXXX, Ohio XXXX XXXX, Case # XXXX by Portfolio Recovery Associates for an account that I have absolutely no knowledge of what so ever. I contacted Portfolio Recovery Associates and requested that they send me a validation of the debt and an affidavit of fraud. I requested that they investigate this account as fraudulent. As of todays date, XX/XX/XXXX I have yet to receive anything from Portfolio Recovery Associates regarding my request to investigate this as fraud. Instead of responding to my requests, they have bombarded the XXXX XXXX Ohio XXXX XXXX with different motions, including a motion for Summary Judgment. They are clearly using the legal system in an attempt to force me to pay this account despite my requests that they investigate this account as fraudulent. They refuse to cooperate with any of my attempts to prove that this debt is invalid and fraudulent. They simply do not care that I am the victim of Identity Theft. They will use any means possible to force me into paying this fraudulent debt that I do not owe. I have filed a complaint with the identity theft.gov website regarding this account. That reference number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is inaccurately reporting on 2 accounts on my credit reports for XXXX, experian and XXXX. I have contacted the company repeatedly with inaccurate information and closing of one account on my credit reports and it has not been resolved. The payment history is inaccurate and showing late payments.
Product: Debt collection

In XXXX of 2023 Credit Control Corporation reported to the credit bureaus that I owe them {$700.00}. I've sent a letter to them asking them to validate the debt, if not, remove the inaccurate information from all 3 credit bureaus. Here is what was sent to them : You never provided me proof of validation that I have ever owed a debt to Credit Control Corporation. Furthermore, where is the agreement between you and the original creditor? I also would like for Credit Control Corporation to provide me with a signed contract that I have in agreement with Credit Control Corporation that states that I owe Credit Control Corporation the amount requested.
Product: Credit reporting or other personal consumer reports

I am a concerned consumer after looking at my credit report. I see many alarming mistakes with how you are reporting information about.
Product: Credit reporting or other personal consumer reports

Dear XXXX Experian, Due to the recent lawsuit filed against XXXX on XX/XX/year>. I insist you conduct an investigation as you are required by the FCRA Law.

I will explicitly say do not accept the findings of the furnishers who do not provide thorough results of their investigation. Which I ask that you provide to me in exact detail via mail and not through your online portal. Your online portal is garbage. 
Please Delete the disputed information within the required timeline of XXXX  days as set forth per the FCRA which is federal law. 
Don't play with me and make me XXXX  on your XXXX  and sue you locally because I'm ready to XXXXXXXX XXXX  fam.