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

According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, Section 602 ( a ) states, There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX, and TransUnion are consumer reporting agencies, and as a consumer, I have the right to ensure that my private information is not shared. This right is further supported by 15 USC 6801, which states, It is the policy of 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. The furnishers of information to credit agencies are considered financial institutions under this title. 

According to 15 USC 1681, Section 604 ( a ) ( 2 ), 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. I, as the consumer, have not given XXXX, XXXX, TransUnion, or any furnisher of information to credit agencies my consent to furnish this information, nor have I provided written consent. Any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise, are hereby revoked. 

Furthermore, 15 USC 6802 ( b ) ( c ) specifies, 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. At no point have I been informed by the furnishers of information to credit agencies about my right to exercise this nondisclosure option. Additionally, 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, being an adverse item, is being reported without my permission, which is in violation of the law. 

According to 15 USC 1681s2 ( A ) ( 1 ) ( A ), 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. Furthermore, 15 USC 1681e requires that 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, and TransUnion are not maintaining reasonable procedures to uphold these standards. 

Finally, under 12 CFR 1016.7, A consumer may exercise the right to opt out at any time. I am hereby opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : Equifax Issue : They have my credit information mixing with another person. 
Steps taken : I have called and talked to 3 different representatives and received 3 different stories. 
Was initially asked to fax in my driver 's license, social security card, and cover sheet with summary of issue. Sent on XXXX after conversation on XX/XX/XXXX. Was told to wait 2 business days and call back to get status update. Called on XXXX, spoke to XXXX ( a second rep ) and was told to call back after 5-7 days of original call, nothing had been received, noted or recorded at that time.Called XX/XX/XXXX and spoke to XXXX, a 3rd rep, and was told that they are not receiving any faxes and would now have to mail it in and should expect to follow up in 30 days. She also said she " found my file ''. I asked if i could get any information as to a file number or any information I can use to expedite future calls, she said there is no information like that. 
I tried to get this fixed 4 years ago and went as far as to mail in my DL, SS, and another credit report. They said they never received any of that information. 
They refuse to notate anything and tell me that they can't do anything until they receive the information that i have sent to them on multiple occasions. 
I need resolution to this as it is affecting my ability to finance. I have no issues with either of the other two reporting agencies.
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 XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX 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 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: Mortgage

Universal American Mortgage Company , LLC ( UAMC ), committed multiple violations of CFPB and Federal Regulations during my evaluation for Loss Mitigation Workout options. The application contained inaccurate financial information, which differed from the evidence submitted and was not discovered or properly reviewed. There was a violation of dual-tracking as well. After being denied for Loss Mitigation Workout, I appealed the decision within the allotted time ( 30 days ). While reconsidering loss mitigation options following the acceptance of my appeal, UAMC 's lawyers submitted a Motion for Judicial Sale of Property. The excuse I received from UAMC 's Foreclosure Department was a lack of communication between their department and the Loss Mitigation Department. Their lack of communication resulted in my appeal being denied on XX/XX/XXXX, and a sale date of XX/XX/XXXX. Now I have 6 days until the sale date and UAMC is refusing to rectify the situation.
Product: Credit reporting or other personal consumer reports

Credit bureau is violating my right as a consumer by furnishing inaccurate information on my report. 

Hard Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

On XX/XX/2022 I submitted a Public Student Loan Forgiveness waiver to Mohela who is the new loan servicer for federal loans. I have not heard back from Mohela about my PSLF waiver and it is now XX/XX/2022 the final deadline for the PSLF waiver.

I need to know the status of my PSLF waiver that I submitted on XX/XX/2022.
Product: Credit card or prepaid card

Debt settlement Because the Chase bank sent me XXXX cards, offering promised promotion rates and special use for homeowners cards that I never requested then they raised the rates as soon as I made home repairs making sure the cards could never be paid off. I threatened to go to court and they said they would close the accounts if I paid a certain balance with no credit damage or have to pay taxes on the illegal balances. After XXXX the Chase bank secretly submitted these balances damaging my credit and trying to make me pay taxes on them. Also this information was submitted out side the statue. Now Im having problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - Please remove it from my credit report XXXX - XXXX - This is not mine - this belonged to a patient who is no longer living. Remove this from my report. - Please remove it from my credit report
Product: Debt collection

This debt is not owed, the debt was paid in full. No written notice of the debt was ever received. The collection account is fraudulent.
Product: Credit reporting or other personal consumer reports

so im going to get my first apartment and check and realized that i had over a 7 hard inquiry on my credit report from the car dealer ship that ran my credit when i was getting my first car i was not arthorized that they was gon na non stop run my credit report with different lendors intill i get a proof and i feel like they type finessed me because thats when i first started my credit to cause i just turn XXXX and had no Experience now that i am older i realize that all those inquiry should not be reported on my credit report because they are breaking my fair credit report act and my 15 u.s.c 1681 law the unarized inqury already got removed off XXXX and XXXX there only reporting to my experian and when i call experian they keep lying to me say that all the auto loan inquiry count as one but when they was removed off my other 2 barrals XXXX  and XXXX my credit report when up over XXXX point and all my scores was the same before i got them inquiry removed off XXXX  and XXXX and i been disputing this stuff with experian for over a year now sending letters and everything and all there agents a rude and dont help. 


these are the following inqury reporting on my experian report that should be romoved 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 XXXX XXXX XXXX XXXX once again i do did not arthorized nun in theses inqury and all ready had them removed from XXXX and XXXX and see the impact and the differents from the report and by the way i been fighting this situation for about over a year now i was told a lie from a experian angent that these inquiry was not harm full and was counted as one but now i see the real impact once they was removed of XXXX and XXXX  and truly up set for experian lying and breaking my fair credit report act
Product: Debt collection

Account number : XXXX ( XXXX XXXX ) Account status : Closed Date opened : XX/XX/XXXX Account type : Cell Phone Balance : {$200.00} Status date : Date the creditor last reported information about the account payment status. 
XX/XX/XXXX Account number : XXXX ( XXXX ) Account status : Closed Date opened : XX/XX/XXXX Status date : Date the creditor last reported information about the account payment status. 
XX/XX/XXXX Account type : Utility Balance : {$180.00} After a recent review of my Experian credit report I noticed the two accounts listed above that are in collections. I had no knowledge of these accounts, I had no accounts with XXXX during the time of the accounts and I believe they were opened fraudulently or is simply an error. I have filed a identity theft report with FTC and have been reaching out to the companies thats reporting this information.
Product: Credit card or prepaid card

I have a late payment posted to my account on XX/XX/2018. I have contacted the bank and have paid on time since. This is an old account that is closed. The bank Synchrony Bank.
Product: Debt collection

Credit Central South XXXX XXXX XXXX XXXX XXXX XXXX their phone is XXXX. This is a loan company that harass me and my mother. I received a checked in XXXX. The due date for the first payment was XXXX XXXX XXXX. They start contacting my mother which she 's my reference XXXX XXXX. Never called me and called my reference too early. Then they start coming to my house which my XXXX XXXX daughters are there. I was at home on of times they came by. They viewing really long and hard and more than one. The last visit to my house was today while I were at work. Please contact me to let me know what I need to do next.
Product: Credit reporting or other personal consumer reports

Recently I checked my credit report and noticed hard inquiries on my account that were not made by me and what I assume to be fraud I need them off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney or XXXX- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts -XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX # XXXX -XXXX  # XXXX -XXXX XXXX XXXX # XXXX
Product: Debt collection

OnXX/XX/2019, a representative called me and told me that I owe them {$1700.00} and I asked them series of questions like what's the debt? can you validate it's me? They said to me, they don't have to answer my questions regarding this debt. if I don't pay they'll sue me and it hit my credit. I never had a {$1700.00} debt with anyone. I'm furious that this is happening!! 
They called again XX/XX/XXXX and I asked the same questions and they hung up in my face. 
I'm not sure what they'll do next. I believe this not to be my debt. If they are claiming to be mine, it's the wrong amount because I have health insurance.
Product: Credit reporting or other personal consumer reports

Good afternoon looking at my credit report I notice that I have a late payment on my capital one credit card account which is not accurate, this credit card has an automatic payment and its the only late payment I've " had '' in all my credit report history, I contacted the company and I never received an answer back from them. I will sent in the information showing all the other automatic payments going thru expect the XXXX payment, when I contacted capital one thru phone they said the " automatic payment was not proceeded correctly '' which that's why I made a bigger payment for that month. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Portfolio recovery refuses to acknowledge my letters and disputes. They bought an account from XXXX XXXX that they insist was opened by me. It was not opened by me. They are nothing but vultures preying on innocent people. It almost seems like extortion, they report this negative information, which brings down my credit score, until I agree to pay for something that is not mine. This should be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a online dispute with Equifax on XXXX on their web site and got response in less than 10 hr the they verified info from the credit vendor a call credit card XXXX XXXX they status that getting a result from them in the short of time its impossible also for filing that dispute my credit score drown XXXX points a called Equifax to try to correect this issue or for them tto put my credit file back to the way it was before score drop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

In XX/XX/2022, I contracted with a metal foundry, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, to produce some small statues for me. On XX/XX/2022, I paid XXXX XXXX XXXX XXXX XXXX {$2200.00} with my Synchrony Bank XXXX XXXX for these services. There were to be XXXX statues made. I sent them the prototype to copy for the statues. When the shipment of statues arrived, we discovered they were of inferior and defective quality from the single sample he showed me via email. We took pictures of the defective workmanship and emailed them to XXXX XXXX who agreed that they did look defective and told me to ship them back so they could " make it right. '' I shipped the defective merchandise back as instructed and then XXXX weeks past with no response, so I emailed for the status of the order. I got an email back stating that the workers were waiting for the owner ( XXXX XXXX XXXX to return and give them permission to work on the order. A few days later I get an email from the owner stating he was only willing to give me a refund of 30 % and he was not going to fix the statues. To be exact, XXXX XXXX emailed me on XX/XX/2022 to say he would be issuing me a check in the amount of {$770.00} for a partial refund. We never received any such check. 
All of this information and supporting evidence were provided to Synchrony Bank and they are refusing to help me with getting a refund from this merchant. Synchrony Bank says the merchant acted in good faith with me, but the evidence shows the opposite.
Product: Mortgage

Loancare is holding insurance funds from Hurricane Milton. We recieved insurance funds XXXX XXXX, XXXX and overnight the check and uploaded required documents to mortgage company. They only released 25 % of insurance funds on XXXX XXXX when contractor contract stated 50 % needed to start roof. Special request to additional funds was denied on XX/XX/XXXX with an additional request maod on XX/XX/XXXX, with invoice for amount needed and permit sent to them, still waiting for approval. All we want is our roof fixed before the raining season and more damage to home happens.
Product: Mortgage

Signed Docs 12 days ago, should have funded 9 days ago. Top Flite financial keeps saying they will fund the next day, every day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed errors on my credit report with Trans Union, XXXX  and XXXX  several times. 
I have been disputing bankruptcy 's reporting on my credit report. They keep verifying them as accurate but will not provide the information on how they verified it was accurate. I have been in contact with XXXX XXXX and the bankruptcy court. They have reported to me that they have not verified these with the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been reporting 4 bad collection debts to my Equifax credit report. I contacted XXXX via certfied mail XX/XX/XXXX asking for " validation '' of these items. I requested proof that I am indeed the party they are asking to pay the debts, the date of alleged medical service, the name of the patient and that there is some contractual obligation which is binding me to pay the debts. XXXX responded with letters dated XX/XX/XXXX with a " RE : REQUEST FOR FINAL BILL '' letter. I have received a response that clearly violates my rights according to HIPAA. XXXX XXXX did NOT provide me with HIPPA Release form to authorize the use or disclosure of my protected health information. Account numbers are as listed:XXXX, XXXX, XXXX.
Product: Mortgage

I was working with my lender Nationstar for a loan modification up until the last few days before the foreclosure trustee sale. I spoke with many representatives with Nationstar up until the day of the sale on XX/XX/2016 and was asked to send in additional documentation in which I did. However on XX/XX/2016 they proceeded with the sale and my property reverted back to the beneficiary. I am not sure why the proceeded with the sale when I was in review and being asked to send in more documents, I feel I was treated unfairly and not being properly reviewed or sent to the correct department to escalate my file due to the urgency of the sale.
Product: Debt collection

I was never in the hospital on the date the collection compony claims, I have aske several times to show me written proof.
Product: Credit reporting or other personal consumer reports

I got a letter from data X stating that on XX/XX/year> there were some type of Internet inquiry or loan taken out with XXXX landing XXXX XXXX XXXX XXXX. This is not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is a follow-up to my previous complaint dated XX/XX/, that contains a dispute about these items : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$18000.00} XXXX Demand that the listed items be removed to my file
Product: Debt collection

Received a letter From Credit Collection Services about a debt that I supposedly owed from XXXX XXXX the company that hired them. I do NOT owe This collection agency OR XXXX ANY MONEY.
Product: Debt collection

I am disputing account number XXXX with Southwest Credit System because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted Southwest Credit System to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.