23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account name : XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account name : XXXX TransUnion XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account name : XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account name XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX Account name : XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Name : XXXX TransUnion XXXX XXXX Account # XXXX XXXX XXXX XXXX Account Name : XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account name XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Name XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX And inquiries below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX Installment Loans XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX New XX/XX/XXXX XXXX XXXX XXXX XXXX Unions XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX Loan Companies XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Installment Loans XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

I have communicated with FED LOAN servicing and XXXX & XXXX about correcting the late payments in association with ALL XXXX FED LOAN SERVICING accounts ( associated account # XXXX : XXXX ) as they were never late, further more the dates of the payment history being reported is incorrect and therefore it either must be updated or removed according to FCRA 611 ( 15 U.S.C. 1681I ) ( see attached ). 

Accurate account reporting can not simply go from current or paying/paid as agreed one month and then 90 days/120 days late derogatory status the very next month, unless the reported payment history is inaccurate to begin with. I have also attached a student loan document showing the dates of all forbearances which was given to me directly from the data furnisher ( FED LOAN SERVICING ) which subsequently requires no payment and therefore further supports my stance of the XXXX Fed Loan Servicing accounts never being late and the payment history being wrong. There are XXXX late payments showing incorrectly. 

Are these companies above the law in which has been stated and expressed in the FCRA? I want these issues remedied now or I will be pursuing legal action against all parties involved as a part of exercising my consumer rights in an attempt to be compensated for the damages that have been caused by the reporting of incorrect information in my credit files.
Product: Debt collection

XXXX XXXX XXXX has a debt that is not my debt. 
sent a letter to settle. 

The debt does not show in my name or full social security and address. 

talk to several people at XXXXXXXX XXXX XXXX and the debt has no account number in the system nor my social or my name or address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loancare is reporting an erroneous late on my credit file and it must be removed. Back in XXXX I received a letter from Loancare that my mortgage was being transferred to XXXX to be serviced. I made XXXX payment with Loancare and they closed the account and were supposed to transfer all the account information to XXXX. On XX/XX/XXXX I got a call from XXXX that my mortgage payment was past due. I let them know that I had made the payment with Loancare but XXXX notified me that they had not received any of that information. To be safe, I ended up making XXXX payment again with XXXX and decided to pay XXXX payment as well to avoid any mistakes. I thought the account was taken care of and closed successfully. However, I recently checked my credit and noticed that Loancare is reporting a late for the month of XXXX?! This account was closed and is being serviced by another company that they chose to do! Loancare has not been handling this well and even made me make XXXX payment again because of their incompetence.
Product: Mortgage

My current Mortgage Servicer, PennyMac, escrows my taxes and insurance. I noticed on my county tax assessors website that there was an outstanding bill in XXXX of this year. I called into the Customer Service line and was told that all taxes due would be paid by PennyMac from my escrow account in XXXX of 2021. I checked to make sure that my taxes were paid in XXXX and noticed that they had not paid the bill from XXXX and had only paid the taxes a new, more recent bill. They had skipped over the original tax assessment. I then called the county tax assessor for clarification and was told by them the the bill was overdue and collecting late fees/interest and that the mortgage servicer should have paid the bill when it was due. 

I then called back into the Customer Service team at PennyMac and was told that while they do escrow for taxes, that they don't verify that my taxes have been paid and said they are not responsible for paying the taxes since my home was a " New Construction '' home. 

I have now incurred more late fees/interest but PennyMac has finally disbursed the overdue taxes from my escrow account. However, they took out additional funds to pay the late fees/interest even though it was PennyMac 's error for not paying the taxes on time. I'm asking that they pay the fees and interest and place those funds back into my escrow account. 

Also, they have gone back and forth on this issue. When I brought up that there was a tax bill, I was told by Customer Service that they would pay the bill. Then in XXXX they did not pay the taxes and was told that it was my responsibility as a homeowner. Now, they have recently disbursed funds from my escrow account to pay those taxes. If it wasn't there responsibility to pay then why did they finally pay the taxes after I filed a complaint? 

I have attached PennyMac 's response about paying taxes on " New Construction '' homes. With the amount of new home sales in the past year, I would imagine I'm not the only customer that has had issues with taxes not being paid.
Product: Credit reporting or other personal consumer reports

ON XX/XX/XXXX I CALLED XXXX AN REPORTED THAT MY XXXX  LOANS ARE PAID IN FULL, I WAS ADVISED TO UPLOAD A COPY OF M CREDIT REPORT SHOWING THE LOANS STILL SHOWED A OUTSTANDIN BALANCE, I WAS ALSO INFORMED BY THE CUSTOMER SERVICE REP THAT MY LOANS HASNT BEEN REPORT TO THE CREDIT BUREAUS SINCE XX/XX/2023. I LATER RECIEVED A LETTER FROM XXXX STATING THEY DID AN INVESTIGATION AND THEY VEFIED THE INFORAMTION WAS ACCURRATE. IM ASSUMING THE INVESTIGTION WASNT PROPERLY CONSIDERED AND WAS UPDATED BY A COMPUTER INSTAED OF A PERSON. BECAUSE THE RESULTS WOULDVE BEEN DIFFERENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to obtain credit report from all four known credit reporting agencies or even one : : It is my understanding a copy of my report is free of charge
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items off my Credit File as soon as possible : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX - XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX-XXXX/XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/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 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 I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft, please comply with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is inaccurate reporting to my Equifax credit report. The asked in dispute letters agency to remove this account because XXXX closed without any reason because they decided to stop accepting my payment out of my account which was set on auto pay. I reached out to XXXX to get an understanding of what was going on and they gave me no response and close down my account without notice. account is being reported as a charge off showing past due balance.
Product: Mortgage

On XX/XX/2016 my wife and I sent an overnight package containing documents for possible loan modification to Freedom Mortgage 's loss mitigation department. I have called multiple times to check on the status of our case, Freedom Mortgage tells us form XXXX is missing, but then Freedom Mortgage verifies later that the document has been received and the loss mitigation department needs to evaluate the form and for my wife and I to call back several days later and check on the status, but when I call back, again Freedom Mortgage claims they still need the XXXX form, but after checking find the document and tells me to again call back and check the status. This has been ongoing for several weeks now. My wife and I have done everything possible to reach out for assistance from Freedom Mortgage. It seems they are trying to discourage us from proceeding and to give up. We sent the revised XXXX form on XX/XX/2016 and we have been waiting for our possible modification to move forward. We were told a single point of contact will be assigned to us within the loss mitigation department, this has not happened yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 i sent letter to equifax, XXXX and XXXX however its been passed the 30 day mark and have not sent me back anything and according to the law 15 US 1681i
Product: Student loan

I was an XXXX  member from XX/XX/XXXX to XX/XX/XXXX during that time my student loan company was supposed to pay the interest that accrued on my loans for a total of {$330.00}. They had changed their address without alerting me so my initial payment request was denied and I had to submit a new one with their new address. At that point I had made a payment on the loans and my balance greatly decreased so they recalculated the interest based on my current balance and only paid me {$100.00}. However the agreement was to pay the balance that accrued during my term of service which was {$330.00}, so they still owe me {$230.00} which they are refusing to pay.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit file and noticed unauthorized inquiries on my credit report.
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


XXXX. XXXX5 U.S. CODE 1692e - False or misleading representations XXXXXX/XX/XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

Beginning XXXX XXXX, 2017 through today, XXXX XXXX, 2017, Allied Interstate LLC has called my cell phone number twenty times, as often as four times a day, and have yet to leave a message.
Product: Checking or savings account

TD bank is blocking me from enabling external applications i ca n't share my information with coinbase because TD bank does not allow me to link my account to this website
Product: Credit card or prepaid card

I went in to pay my credit card bill on XX/XX/XXXX. My payment day is on the XXXX of every month. I called to wave the late fee of {$37.00}. Looking through my account with a credit limit of {$500.00} I noticed that I was charged a total of {$170.00} in late fees and interest fees and a {$10.00} fee every month which would make this card {$120.00} to use for the year plus an annual fee of {$99.00}. So {$290.00} to run a credit card with {$500.00} credit limit. I called in to waive the late fee only to be told I missed last months payment which is untrue. I logged in and made XX/XX/XXXX 's payment but this was not updated to my account. Upon calling on XX/XX/XXXX I was told the late fee could be waived. I want my late payment erased from my credit along with {$60.00} in fees refunded to this account so I can pay the balance and close this account. This company is a fraud and preys on people who take on their card. This late fee update has cost my credit 68 point drop! I need this fraudulent company put on notice and this updated. 

I also have plenty of instances where I pay and I do not get an email stating a paid nor any proof of payment. Currently this company is reporting to credit agencies that my monthly payment is {$77.00} and credit limit was {$760.00}. This is untrue and I need all of this updated ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/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 The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Checking or savings account

I had 19 unauthorized transactions to XXXX that I did not make on XX/XX/2022 on my chime card and I called them the same day and tried to get them to stop the transactions and they told me I had to wait until they posted and I couldn't even file a dispute until 3 business days passed the total on the transactions was XXXX and XXXX cents and they were made within minutes apart you can clearly see that it's a scam. I then called the merchant XXXX and they told me that I have to have and account or a XXXX  credit card to make purchases through XXXX. They looked up my name my address my social security number my birthday and my email and could not find anything linked to me so my financial institution will have to contact them so they can work together to get this resolved I relayed this to the chime dispute center through a phone call and was informed that they would add this to the case for investigation and they continue to deny my disputes and I continue to call them every day asking why these disputes have been denied and I was informed that I have sent them an email to them with this information in it to get them ro reopen the disputes I emailed them with a reference number from XXXX where I reported it to them so they could work together to get this fraudulent activity taken care of and I can get my money back and they told me it can take up to 90 days in an email.
Product: Credit reporting, credit repair services, or other personal consumer reports

Others frauded my documents and to pull naming scams using XXXX herds of IDs and XXXX business permits and XXXX internet off my credit file and birth certificate Other pulled like frauding scams my credit files for XXXX plurized fraud scams fraud scams frauding my documents Others frauded my documents as mailing address Others frauded my documents as politican Others frauded my documents as police and sherrifs in many states Others frauded my documents as XXXX XXXX   XXXX Other frauded my documents as bedroom products
Product: Credit card or prepaid card

I applied for a credit with Chase Bank twice once on XX/XX/2017 and XX/XX/2017. The bank is stating that my credit report may reflect a bankruptcy for the reason why the application is being denied. I called Chase Bank the first time back in XXXX asking for a reason from the representative and was told that she did not see a bankruptcy on my current credit file and she did not understand why I was been denied. I asked the representative if there was a department that could review my application for an answer and was told she was the department to correct the issue and the highest level to go. I think the bank is redlining certain customers in certain zip codes. I previously live in other zip codes and have credit cards from may banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or UPDATE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
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, credit repair services, or other personal consumer reports

I had filed a previous complaint about the information on my Chexsytems account. They had asked that I provide the police report proving the incident. As of yesterday I both received and mailed the police report they requested.