23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX/DOFED Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX has violated my rights. Or a 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 an 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: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report to find that things were put on my report that  was not authorized by me, I didn't give anyone written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is showing as 2 months past due when it was never even late. XXXX XXXX is FRAUD and ruining my credit
Product: Credit card

On XXXX XXXX I can't recall what I spent {$280.00} on. This is my wifes card and it was only viewed by her. It would be nice to find out what I bought. Thank You
Product: Student loan

XXXX is calling several times daily to collect on a student loan. However, whenever I speak to them and tell them I am willing to pay, just not the impossible amount they ask for, they dismiss me or tell me too bad I need to pay. I have been referred by them back to citizen 's bank in order to lower a payment, who then refers me right back to XXXX. I have asked many, many times for a payment plan option of any kind to lower payments where I can actually make them, instead being told there is nothing they can do besides collect the full payment. This payment is about XXXX my monthly income, which is not possible for me to pay with other bills I owe. I have asked over and over for any sort of program to work on a payment low enough for me to pay, because again I am willing to pay ( as I 've stated to them ), but the amount they 're asking for is absurdly high relative to my income and they refuse to help at all.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing this complaint to EXETER FINANCE LLCXXXX about the reported unauthorized inquiry on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified.My address is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and I go by XXXX XXXX XXXX XXXX My birthdate is XXXXThe FTC report number related with this complaint is XXXX .I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Mortgage

XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Consumer Financial Protection Bureau - CFPB Subject : Loss of home due to non-response from Ocwen Loan Servicing, LLC Reference Ocwen Loan XXXX CFPB : In the last quarter of XXXX, a contract for the short sale of our single family residence at XXXX XXXX XXXX, XXXX, NY was arranged for by XXXX XXXX of XXXX XXXX XXXX XXXX ( XXXX XXXX ) and the Law Offices of XXXX XXXX XXXX, XXXX. ( XXXX XXXX XXXX, XXXX XXXX, NY XXXX ). 
Our home for thirty years, Ocwen Loan Servicing, LLC, had purchased the mortgage in XXXX, which disturbingly, followed approximately one year after our previous encounter with Ocwen in XXXX, XXXX. There, we had cosigned a mortgage for the home of my sister-in-law, XXXX XXXX. XXXX defaulted and skipped from the property, leaving my wife and I holding her debt. Ocwen bought that mortgage. 
With the XXXX property devalued, we ultimately arranged for a short sale. Ocwen denied our plea for help. The sale failed and the house went to tax auction. Our once excellent credit was destroyed. 
It would seem that, in our weakened financial position, Ocwen has targeted us for fleecing. 
Today, we again face foreclosure. My wifes career as a XXXX XXXX took her from XXXX XXXX to XXXX. The ever enlarging Ocwen monthly fees and usurious charges stretched us to the breaking point. Due to continuing bad credit stemming from our XXXX fiasco, we were unable to qualify for an affordable mortgage. 
While we were current with our monthly payments in XXXX XXXX, we attempted a short sale for our overvalued home. This was with XXXX XXXX in XXXX. Again, Ocwen refused to work with us. 
Then, my wife suffered broken bones due to a fall and a subsequent hospital stay revealed her XXXX. Unable to work, XXXX accepted Social Security XXXX retirement. Similarly, I took an early Social Security benefit in order to be with her. On a fixed income, we moved from XXXX XXXX to more affordable XXXX. Consequently, we stopped our monthly mortgage payments. 
Then, XXXX XXXX of XXXX XXXX arranged for a short sale which was only {$10000.00} below assessed value. Approval of this by Ocwen would begin to heal our credit. Although we have no equity in the home and would receive no monetary return, after many years of high fees, Ocwen would still walk away with a profit. 
Having complied with all Ocwen applications forms, we awaited Ocwen short sale approval. And waited, until finally, the 90 day contract period expired at new year. Our would be buyer walked away. 
Our pleas for help from Ocwen failed to spark any sympathy in XXXX and today Ocwen remains true to form. 
As our lawyer and our realtor bargained with one part of Ocwen, another Ocwen branch would alternately threaten foreclosure, offer faux sympathy with impersonal letters advising we seek council or offer to restore our contract in exchange for a huge sum of money we did not have. 
Our realtor and we have since parted company, resigned to Ocwens indifference. 
We foresee no benefit from this complaint, other than urge you to confront Ocwen in the hope of sparing others our pain. 
Sincerely, XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've called 4 credit bureaus including the three main ( Experian, XXXX, XXXX and XXXX ) multiple times over the past several months and never got a response on updating my personal information and/or was told there is nothing they can do about it. I have personal information on my reports that I do not want on there due to it being incorrect and/or completely outdated. 

According to the Fair Credit Reporting act 15 USC Code 1681... I have the right to privacy. ( The banking system is dependent upon fair and accurate credit report- ing . 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. ) In addition, according to 15 USC 6802 ... No financial institution is supposed to share my information to third parties including third party companies nor third party people. Nevertheless, especially when the information is wrong and misleading. ( Obligations with respect to disclosures of personal information ) These are very clear violations of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : XXXX XXXX XXXX  Status : CLOSED Reason : Reporting Inaccurate Credit Information, ( these account ( s ) being reporting as open and pass due when its closed ). 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter. 

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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information Nationstar Mortgage LLC dba Mr. Cooper is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Nationstar Mortgage LLC dba Mr. Cooper the financial institution and the Consumer reporting agencies XXXX XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, XXXX, XXXX or Nationstar Mortgage LLC dba Mr. Cooper whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Nationstar Mortgage LLC dba Mr. Cooper never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$8100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM LOOKING AT MY CREDIT REPORT AND I HAVE A LOT OF FRAUDULENT ACCOUNTS. ALONG WITH FRAUDULENT INQUIRIES. THESE ACCOUNT ARE CAUSING ME A LOT OF EMOTIONAL DISTRESS FOR MY FAMILY AND ME. HOW CAN I PROGRESS AND DO WHAT I NEED TO DO WHEN THE BUREUAS ALLOW THESE FRAUDUENT ACCOUNTS ON MY CREDIT PROFILE. There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The XXXX XXXX agency continues to violate my rights according to XXXX XXXX XXXX. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the XXXX XXXX XXXX.
Product: Debt collection

I had been trying to dispute my debt with MERCHANTS CREDIT GUIDE on behave of ILLINOIS EMERGENCY MEDICAL S. I provided them with my insurance information since I legally had insurance at the time of this emergency visit. I explained I provided this information as well upon this emergency room visit. I should not be reponsible for someones mistake. I legally had insurance at that time and it has been provided many times as well as I have been trying to dispute this for past year without getting and positive results. There is never a formal explanation to me on what has happened as well. I cant be obligated to have my credit ruined as well as being forced to paid for something that I shouldnt be since I had insurance at that time. Never did i recive any bill stating that I am responsible for any amount due in this dospute.
Product: Mortgage

There are a lot of things that are going on here so I'm going to try and break them apart into different sections of the complaint based on how they are worked out and have been discovered. 
M & T bank obtained my loan starting in XXXX of XXXX it had previously been held by XXXX XXXX XXXX XXXX. We had no problems during the time the loan was held by XXXX XXXX XXXX in terms of payments or clear explanations of what was going on until they began the selling process to M & T Bank. Since M & T bank has taken over there have been repeated missteps, miscommunication, and problems many of which are surrounded by our escrow account and XXXX XXXX. 

Problem 1 ) Somehow XXXX XXXX XXXX XXXX  did not pay our XXXX  for 12 months. M & T Bank took the money from our Escrow account to make this current however, according to our Escrow Disclosure any late payments, fees, or interest associated with payments not made in a timely manner are the responsibility of the bank. I have highlighted and sent in this information to the bank and received back our mortgage is required to have XXXX  and that's what the Escrow Account is for and we're not entitled to the money back even though the bank did not make timely payments. They also overpaid the PMI by 2 months and have since corrected that problem admitting their mistake. 

Problem 2 ) Also in our Escrow Disclosure is the right for us to remove PMI from our mortgage earlier as long as our principal balance must be 75 % or less than the appraised value. We have requested on multiple occasions to have the house appraised again as we bought it at over appraised value and put in {$50000.00} worth of work which should put us over the clause. M & T Bank continues to say we're not eligible for this and " SONYMA does not accept or consider home evaluations such as appraisals when reviewing for mortgage insurance removal. Your PMI will automatically be removed at an XXXX of 80 % or below if a satisfactory pay history is maintained '' even though there is a clause in our mortgage that states differently and XXXX XXXX XXXX XXXX  was aware of and willing to do before they sold our mortgage. 

Problem 3 ) When making our XXXX  current and something to do with taxes I'm still not 100 % clear on M & T Bank cleared out the majority of our Escrow account making it short for XXXX. I understand this can happen and have no problem paying into the Escrow account to ensure our payment does not go up. M & T Bank is insisting we can not pay the full shortage and they must raise our payment. I don't even know how much we're actually short because of the situation where they over took XXXX  in problem 1 and they've also attached an additional {$730.00} tax estimate into our account that doesn't exist as we only have 3 tax payments XXXX, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, Please see attached - there is incorrect Personal Information on my TransUnion credit report that needs to be corrected as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX XX/XX/1988 Dear Experian Credit Bureau To whom it may concern : Account Name : XXXX XXXX XXXX Account Number:XXXX I received a copy of my credit report. To my surprise you are reporting this account incorrectly. This collection account is reporting not only as OPEN but also shows a past due balance of {$2500.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy new credit report reflecting this account removed upon completion.
Product: Credit reporting or other personal consumer reports

subject : Request for Removal of Closed and Inactive Accounts from Credit Report Dear [ XXXX XXXX XXXX ], I am writing to formally request the removal of closed and inactive accounts from my credit report. These accounts, detailed below, continue to report despite being closed and holding no active balances or activity. This reporting constitutes inaccurate and outdated information that negatively affects my credit profile.

Closed Accounts Still Reporting : XXXX Balance : {$0.00} ( Last Updated : XX/XX/XXXX ) XXXX  XXXX Balance : {$4300.00} ( Last Updated : XX/XX/XXXX ) XXXX Balance : {$0.00} ( Last Updated : XX/XX/XXXX ) XXXX Balance : {$0.00} ( Last Updated : XXXX XXXX, XXXX ) XXXX Balance : {$0.00} ( Last Updated : XX/XX/XXXX ) XXXX XXXX Balance : {$630.00} ( Last Updated : XX/XX/XXXX ) XXXX Balance : {$0.00} ( Last Updated : XX/XX/XXXX ) XXXXDOFED ( Last Updated : XX/XX/XXXX ) XXXX XXXX Balance : {$0.00} Installment Accounts Reporting as Closed : Violations of Credit Reporting Laws : The continued reporting of these accounts violates several provisions of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to ensure that all information reported is accurate and up-to-date. Reporting closed accounts with no balance or activity fails to meet this standard.

15 U.S.C. 1681c ( a ) ( 4 ) : Closed accounts with no adverse information should not remain on a report indefinitely. Outdated and irrelevant information must be excluded from reports after an appropriate period.

Additionally, the reporting of closed accounts violates the Maryland Consumer Protection Act ( 13-301 et seq. ), which prohibits the dissemination of false and misleading information.

Requested Actions : Immediate removal of all listed closed and inactive accounts from my credit reports.

A written confirmation from your bureau once the corrections have been made.

Supporting Documents : I am providing the following to assist in your investigation :.

Please treat this letter as a formal dispute under the Fair Credit Reporting Act. I expect your investigation and resolution within the legally required 30 days.

Failure to comply with my request may result in further legal action to enforce my rights under the FCRA and Maryland state laws. I trust you will address this matter promptly and ensure my credit report is accurate.

Thank you for your time and attention to this matter. I look forward to your confirmation of these corrections.