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

XXXX XXXX has allowed creditors to report payment history lates on my consumer report without my consent per U S Code 15 1681 and 1666b. I am asking for proof of my written consent. Per U S Code 6801 protection of non public information. The reporting of inaccurate information. I am asking that all illegally reported lates be updated to paid in full or removed. I am asking XXXX XXXX XX/XX/year> a collection that is reporting as a open account with a balance be removed immediately per U XXXX Code XXXX inaccurate reporting also XXXX XXXX XX/XX/year> another collection reporting as open with a balance. Willful complaince will result in legal actions requesting XXXX per FCRA violation. I am also requesting a letter of validation and verification for the Bankruptcy reported on my consumer report as the courthouse listed does not report to credit agencies again another violation.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I have disputed several accounts with the Credit Report agencies.

The Credit Report Agencies are Violating my rights as a Consumer under the Federal Trade Commission Act ( FTC ) and The Fair Credit Repoerting Act ( FCRA ) According to Title 15 United States Code Session 6801 Financial Institutions are required to protect the privacy of consumers personal financial information.

Financial Institutions must give their customers the right to Opt OUT of having their Information shared with Non-Affiliated third parties. Prohibiting the disclosure of nonpublic personal information about consumers to Non-Affiliated third parties without consumers Verbal or Written Concent.

The Gramm Leach Bliley Act States Non-Affiliated third parties are external organizations or individuals that are not part of the same corporate family or group of the financial Institutions. 

I did not give the following financial Institutions Verbal or Written Concent to disclose my nonpublic personal information to Non-Affiliated third parties : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These Financial Institutions have broken the law and as a law abiding citizen I would like these accounts removed from my consumer credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern ; This is about the inaccuracy that is inequitably furnished by your organization on my Consumer Report. I came to know about this inaccuracy on XX/XX/2022. Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused the following ; 1. Credit Denial for an Auto purchase loan According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vita role in assembling and evaluating consumer credit and other information on consumers. 

I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. 

There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy.

I request you to give me a piece of evidence that the information which is being reported has been properly investigated. Also, Provide me with the details of the system adopted by your organization to determine whether the transaction took place or not.

Further pursuant to 15 USC 16811 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My defaulted student loan has been paid in full as of XXXX/XXXX/XXXX with Department of Education. I attended XXXX XXXX XXXX XXXX located in XXXX XXXX, NJ ( original transcript attached ) and graduated with XXXX in XXXX. While attending this XXXX I took out a XXXX loan. The original servicer was XXXX XXXX who transferred my student loan a few times. I made a few payments and later defaulted on the loan. In XXXX the debt was paid and I received a paid in full letter from the secondary agency XXXX. I have sent supporting documentation such as Federal Income Tax return, proof of payment history provided by XXXX, certified original note reflecting the debt in question is one and the same without avail. The contracted agency Account XXXX XXXX XXXX have harassed and dismissed my statements about my debt is paid in full. They Collection agency is currently garnishing my payment with my employer with is a violation. I have paid this debt and they are getting twice for my loan. I am without any help and need guidance and direction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few items that I need to review for some legal proceedings. I would like a a full report and my full XXXX  from XXXX XXXX. Please forward me a copy of my Sage Stream and XXXX XXXX reports as well.
Product: Debt collection

Account with XXXX XXXX XXXX XXXX was closed on XXXX XX/XX/XXXX. XXXX XXXX XXXX continued to bill me for service for 4 more months. I contacted XXXX on numerous occasions disputing these charges. This account has been referred to over XXXX different collection agencies and my credit has been negatively affected. I have contacted all three credit bureaus and disputed this collection each time and each time this collection was removed. On XXXX XX/XX/XXXX this collection was once again placed in my credit report by I.C. System inc XXXX XXXX, Minnesota. In the state of XXXX XXXX the statue of limitations is 3 years for all collections. XXXX XXXX XXXX is in clear violation of state law.
Product: Checking or savings account

On XX/XX/2020 at approximately XXXX I drove through the Drive-Thru banking section of Chase bank at address : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX IL XXXX I deposited a check from XXXX for an insurance payout on my home of {$8900.00} After checking for close to a week, no deposit has been made although I am seeing the status as cleared from XXXX XXXX Payment Details Method of Payment Check XXXX Nature of Pay Payment under Dwelling coverage less {$1000.00} deductible less recoverable depreciation Breakdown Insd Dwelling {$8900.00} ( Dwelling-Structure ) I was passed around on hold for over an hour today and then informed that there is no evidence of a deposit and I would have to go into a nearby branch. I visited the branch where I made the deposit at ( listed above ) and was told they had no evidence of the deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent TransUnion a letter disputing the validity of the bankruptcies they are reporting on my credit report. They responded with a letter stating they verified this item through XXXX XXXX. I went directly to XXXX  XXXX to dispute the items in question and XXXX XXXX could not verify the items s because they were not in their database nor have they received a dispute from TransUnion. 

I then went back to TransUnion on XX/XX/XXXX and showed them the letter from XXXX  XXXX stating there are no bankruptcies in XXXX  XXXX  database informing them if they could not reveal how they truly verified these items then it needs to be deleted according to the FCRA. They have once again refused to delete these items which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. 

These 2 items needs to be deleted from my credit report if it can not be verified within 30 days.
Product: Payday loan, title loan, personal loan, or advance loan

Loan Number : XXXX Loan Amount : {$1700.00} Interest Rate : 87.76 % Opened : XXXX Paid Off : XXXX Pay Off Amount : {$1900.00} Total Interest Paid : {$150.00} According to the loan contract and terms, there is no penalty for paying off the loan early and for the term of the loan, the interest should have been {$33.00} using the standard APY calculation. 

When I contacted Security Finance in XXXX, TX XXXX, I was told their app is never wrong. I asked for a break down of the charges and they told me to review the app. This is happening to all their clients who use their app - not just me! 

I am requesting an investigation and assistance in receiving a refund for the {$120.00} in overpaid interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, and holder. 
This is my 4th complaint to Experian for their violations. I have enclosed the following documents ( Identification Card Proof of Identity, Experian Report ) ( See attachments ) Under15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates You are in direct violation of 15 U.S.Code 1666b, 15 U.S. Code 1637 for the following account XXXX XXXX XXXX  XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Im using Experian app to fix my credit score im paying XXXX dlls a month and a I need to remove a bad credits report from XXXX XXXX I already paid the amount I use to own and they supposed to removed from my credit report and they havent done it If they can not be able to fix my problem I will cancel my membership
Product: Mortgage

We live in Viginia try to apply for our COVID 19 missing payments, to modify the mortgage since XXXX. but the company asking as the same documents again and again, then finally they withdraw the application. we are afraid our home is at risk. the first amount was {$34000.00} but now it gets about {$40000.00} we tried to send the monthly payments {$1800.00} about four times but they keep returning the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every since my identity been stolen i been noticing activity that's been done inwhich I have no knowledge of. Some of which was even left in good standings but still and all either rightfully belongs to me therefore I'm demanding that the following accounts be removed and blocked from my credit files. 

1. Dept of ED/XXXX  {$11000.00} 2. Dept of ED/ XXXX {$6800.00} 3. Dept of ED/XXXX {$10000.00} 4. Dept of ED/ XXXX {$5800.00} 5. Dept of ED/ XXXX {$10000.00} 6. Dept of ED/ XXXX {$4500.00} 7. XXXX XXXX XXXX
Product: Mortgage

My current FHA backed mortgage is being serviced with BSI Financial Services. When Covid hit, our income was significantly impacted. We called BSI Financial asking them about our options. They had us download the Loss Mitigation application, but we never filled it out. We then called and asked again what our options were as we are still currently experiencing a hardship. BSI told us that they do not offer forbearances, and that paying our mortgage was the best  option for us. On XX/XX/, we sent an email asking again what our option are for a forbearance explaining to them the hours and income had been reduced significantly. They never responded to our email request. On XXXX BSI called my work, reaching my manager, and  having him tell me that I need to get in touch with BSI and to call them at XXXX. We were not able to pay the full amount of our payment ( we were {$300.00} short ), and they said that we had 3 months to pay that remaining {$300.00} over 3 months, but if it went over the 3rd month that it would be a bad situation. Our credit has now been impacted significantly, even though the CARES Act allowed forbearances on all federally backed mortgages, and a  freeze on foreclosures.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly.Accounts ; Experian : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$17000.00} XXXX : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$17000.00}
Product: Consumer Loan

I am XXXX years old and can not pay {$570.00} per month for this transaction I did not know that the usury interest of 223 % would be so much ... .They want me to pay {$10.00} XXXX in interest on a {$3000.00} my social security check is XXXX ... .Please help me
Product: Credit reporting or other personal consumer reports

I checked my credit report this morning and found unauthorized inquiries that I cant explain. I always review my report, but today there were unexpected discrepancies. I thought maybe it was a glitch, so I refreshed my browser, but the issue persisted. I need the documents I've sent to be carefully examined so I can finally stop stressing about this.
Product: Debt collection

This company keeps calling me looking for XXXX XXXX, my ex-wife since 2013. I have asked them to stop calling. They continue to call daily often times with a blocked caller ID.
Product: Mortgage

Several modification requests have been faxed with financials to Select Port Folio, Inc the servicer of my loan. XX/XX/XXXX. I was informed by the Relationship Manager XXXX XXXX XXXX. XXXXect Port Folio was no longer reviewing the loan for a modification assumption. Select Port Folio has been difficult to work with and unwilling to assist me with keeping the property. There is a pending property foreclosure for XX/XX/XXXX. XXXX stated the sale date would not be postponed because a mortgage modification has been mailed to me, I have not received those papers. The interest rate or terms of the mortgage isnt fixed. It is a balloon mortgage ; interest rate is adjusting out. He also told me the modification request was no longer being processed. We do not want to lose our home to a property foreclosure sale. Please post pone the pending property foreclosure pending this request being processed. I dont want to lose my home
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as delete the items from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to The Fair Credit Reporting Act of 1970 - 15 USC 1681b - Privacy Act of 1974 - Family Educational/Privacy Act 20 USC 1232g - 34 CFR Part 99 - 15 USC 6802 and 16 CFR 313.7 I have asked Trans Union XXXX XXXX, and XXXX to honor these regulations and codes. My correspondence is being completely ignored. I am in the process of creating debt security disputes and settlements in relations to the Securities Exchange Acts of XXXX for several credit accounts. Also, my personal information is outdated and erroneous. I have asked for removal of non-mailable addresses, erroneous names and social security numbers to be removed to no avail. I choose to opT OUT of credit reporting practices unless notified by me, in writing. I sent Certified Mailings and have received no proof of mailing. I am considering mail fraud charges for all 3 credit bureaus. Acting on my behalf by disclosing my personal information, without permission is one definition of identity theft.
Product: Vehicle loan or lease

XXXX XXXX XXXX sold a used car to my son in XXXX which was very high pressured selling and fraudulent title surfing. The financial Company was Santander Financial. From the start of this transaction XXXX paid {$50.00} of his money to receive a title from someone trying to get rid of the stated used XXXX XXXX XXXX which stated another model of XXXX in the title and was only signed by one party and the MVA stated that they could not transfer. I sent a letter to the BBB wanting to reverse this sale instead XXXX paid for titling with the MVA however, never could get a title from Santander and neither could my son. Moving forward we would flood the MVA for a title which never appeared and also from the beginning of the sale, someone lied and said my son worked at XXXX XXXX so that Santander would finance the car which my son did not work as he had just graduated the summer before. Moving forward Santander sent a welcoming letter stating a XXXX XXXX. Earlier the next year, Santander Financial Services was to pay a {$550.00} million settlement to pay out cars because of fraudulent sales and lying on contracts so I wrote a letter to the Attorney General of my state ( Maryland ) to have Santander pay this car out and relieve him of the fraudulent contract. The Atty General sent my letter to the correct office which went unanswered due to the Covid shutdown. I am now requesting this complaint reinstated for removal from all of his credit reports with the credit bureaus. Santander is reporting this monthly. I do have a case no. from the Atty Generals office to the State of MD Consumer Protection Division which I will be contacting since the economy has opened a little more freely. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$26000.00}, {$6100.00}, {$7600.00}, {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$26000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7600.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account.
Product: Debt collection

Enhanced recovery for XXXX. 
XX/XX/16 {$1500.00}. I was XXXX when this was opened so it has to be identified theft. Ive never been a XXXX customer. Every.
Product: Mortgage

Statebridge had agreed to a settlement verbally between my realtor the buyer and the loss mitigation agent. Now they are requesting 3times the amount they agreed to. My house is in jeopardy of getting foreclosed on. Statebridge Company has a horrible XXXX  rating and I have read through the complaints via the XXXX  website. They are pulling the same tactics with me now. 

They need to honor their word and commitment so my short sale can close. 

Now I am requesting a QWR RESPA TILA
Product: Credit card or prepaid card

I obtained two {$100.00} rebate card from Citibank for a purchases made from XXXX on XX/XX/XXXX. In XX/XX/XXXXI attempted to use them to make a purchase to find they had both expired. I called the customer service line to get them reissued and was told that was not possible. In essence Citibank stole {$200.00} from me ( and possibly many other people ) behind this quick expiration scam, knowing full well and counting on the fact many people would wait too long to cash in.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX lied and bullied me. There letter stats that they charged the XXXX  closed accounts as a charge off and took a loss. And that they still collect the debt. Was a charge off in XX/XX/year>. Then I wrote to the XXXX and there response was that all XXXX accounts were charged off and placed with collection agencies. They said they would reissue a XXXX. So XXXX XXXX say they can collect the debt after they charged it off as a loss, sent to collection agencies. If it was charged off as loss and sent to collection agencies by FCRA law they must report to Credit Bureaus the balance, amount due all Zero 's. Then I sent Transunion all letter 's and documents and there not following the FCRA laws even with proof. So Transunion isn't practicing the law. They know it and this has gotten me XXXX out. So over the past year Transunion always say been verified as accurate even with the proof of letters, and response from XXXX XXXX. Both companies, XXXX XXXX and Transunion are not practicing the FCRA laws. I ask that this be resolved as soon as possible.
Product: Mortgage

In early XXXX of this year, I approached Bank of America to accept doing an application for a loan modification. <P/>I submitted every single document they asked for. Then they repeatedly asked me for the same documents that I already submitted to them. They first started asking me about " missing documents '' from my loan package, beginning on XXXX XXXX XXXX. Every single time they asked me for documents, they were sent within one business day. Since that time, they have continued to delay and ask for documents that were already sent. I sent them faxes on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. Every time I called and they said the package was complete, they would then wait and call and say the package was not complete. In the meantime, as I have been working diligently with them to restructure my loan, they started sending out threatening foreclosure notices. They are dragging their feet on this and causing me much stress and worry. They are purposely delaying this process.
Product: Credit reporting or other personal consumer reports

These inquiries were conducted without my consent, and I am unaware of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since the year XX/XX/XXXXEquifax, XXXX and XXXX have reported two accounts that are not mine and I had no knowledge of the account 's existence until XX/XX/XXXX. I have continuously disputed the accounts ever since XX/XX/XXXX. XXXX  has done a wonderful job with respects to my rights as well XXXX own compliance with requirements for reporting information about consumers. XXXX and Equifax have shown me no respect and neither offer any evidence besides the word of furnishing companies being certified. I have talked to the customer service departments via telephone as well as disputing these negative accounts that have literally caused my life damage since XX/XX/XXXX. I see no other option beside taking legal action. The accounts I refer to are XXXX XXXX showing a balance of {$130.00} and XXXX XXXX that is showing a balance of {$900.00}.