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

I XXXX XXXX XXXX XXXX ; in XXXX XXXX, Affirm under penalty of perjury under the laws of the United States of America that this statement is true and correct ; I XXXX XXXX XXXX XXXX Affirm ; that my Given Birth Name is XXXX XXXX XXXX XXXX I was Born on XX/XX/2000, My Mailing Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Affirm ; That any other Person Identity Information that reflects Different than the above mentioned Affirmed Facts are inaccurate, I Demand all Inaccurate Person Information to be immediately updated to the accurate information. 

Included you will Discover XXXX XXXX XXXX XXXX ; Certified Birth Certificate which will Further Affirm my Giving Name, XXXX XXXX and Correct Age As this Inaccurate Information has damaged, & Violated XXXX XXXX XXXX XXXX ; Rights to Privacy, image, name, and likenesses, reputation and also physically and Emotionally since the report appeared ; In accordance with 15 U.S.C 1681 1. I have Presented Proof of Identity ; Certified Copies of my Birth Certificate ; Affirming my Giving Name, My Birthdate and Correct Age 2. Affidavit of Truth 3. I have presented proof of Inaccurate information thats on my consumer file In accordance with 15 U.S.C 1681 & the Fair Credit Reporting act XXXX has violated my federally protected consumer rights to privacy And Violated Multiple U.S. Codes ; 15 U.S.C 1681 ( a ) ( 4 ) - There is a Need to insure that Consumer Reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers rights to privacy 15 U.S. Code 1681 ( e ) ( a ) - Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

15 U.S. Code 1681 ( e ) - Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

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

XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN XXXX DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN XXXX  DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN XXXX  DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX  - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN XXXX DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX CARD - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN XXXX DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX CARD - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN XXXX DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INDIRECT XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN XXXX DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX, XXXX, and Equifax have 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 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 or 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 data is inaccurate.
Product: Credit reporting or other personal consumer reports

I requested for XXXX, XXXX and TransUnion to delete a inaccurate and unverifiable bankruptcy from my credit report. They failed to do so. Which is in violation of 15 USC 1681i.
Product: Credit reporting, credit repair services, or other personal consumer reports

I fell ill which resulted in me falling behind on my car payments and as a result my car was repossess and sold at auction. The problem comes in that I was never given a proper deficiency notice which is required by NC state law nor was I given the time nor location of where the auction was taken place which is also against NC state law. Being that I was unable attend the auction due to not being provided with the time nor location of the auction nor receive an appropriate deficiency balance there isn't anyway for me to verify the debt. 
The company XXXX XXXX XXXX did put a remaining amount owed on my credit report starting back on XXXX XXXX but the balance has changed several times. I have tried to reach out to the company through phone to no avail and they do not have an email address for me to message them about the issue. I have raise a complaint with both XXXX and XXXX on the matter which both companies conducted a 30 day investigation and found that my statements were accurate. Even within those 30 days still didn't hear anything from XXXX XXXX XXXX. Thought unfortunately there are still discrepancies across all three of my Credit Reports with this company. XXXX is still showing the balance XXXX claims I owe which is {$6500.00}, while Equifax shows same balance but not the total amount. Also there are discrepancies with amongst the credit reports with last payments receive.
Product: Checking or savings account

On XX/XX/year>, XXXX restrictedmy account, I tried fixing the issue with customer service ; they said that they had escalated the case. I had XXXX phone calls with XXXX different representatives that all hung up on me as soon as I asked how can I access my money to withdraw it, I asked for a statement or document saying that XXXX is allowed to restrict my money like that ( I had provided info to confirm it was me, my full name, date of birth, email on file and XXXX XXXX of my ssn ) and thats when they say something like this is a recording line and I have to end this conversation then they proceeded to just hang up the phone call. This happened XXXX times on this same day and I still do not have access to my money. They were also rude, never really answering my questions they just changed the subject.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, and I am submitting this complaint without error or any influence from a third party agency. Please see the following attached documentation and meet my requests in a timely manner. I have never authorized or gave written consent to any 3rd party to furnish my data with the following companies : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter and heck from the FTC about a lawsuit from aquafinance regarding some misleading information about their loans, I still have my loan pending with them, and my question is do I still have to pay off the loan? Can I remove the debt from my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage that was in a moratory status as part of the CARES act around XXXX XXXX with a lender named Banco Santander Puerto Rico. This mortgage continued with the moratory status until XX/XX/XXXX after filling multiple extensions. I resumed making normal payments in XX/XX/XXXX and I still making payments normal payments.

Banco Santander Puerto Rico was acquired by Firstbank Puerto Rico on XX/XX/XXXX. During and after the acquisition I still having problems that Firstbank Puerto Rico continues to report the mortgage status as paying late with 120+ days. I initially informed the bank on XX/XX/XXXX, about the situation which they acknowledge the problem and they told me the case was referred to Mortgage Administration to correct the problem. The issue continues, I decided to make a formal dispute with the credit bureaus to remove the information on my credit reports. Every time I submit a dispute the information is removed but the next month FirstBank Puerto Rico reports the incorrect information to the bureaus. I already emailed the bank and I attempted to call the bank many times and they continue giving me not valid reasons.
Product: Checking or savings account

Hello, Truist closed the account after receiving the complaint from the CPFB...... I also can not get a response from them explaining why they closed the account randomly.
Product: Checking or savings account

A Wells Fargo checking account es opened in my name.
Product: Mortgage

Refer to attached registered letter for details ( this is in regards of mishandling claim in loss draft department do to Fire ) there holding monies XXXX already paid and not paying contractors causing me to pay out of pocket to contractors causing late mortgage payments stating I-am under special monitoring???????? and they have not approved the rebuilding of my house which already been half rebuilt, the fire and the mortgage company that held loan is different, XXXX Mortgage Bought Loan In The Middle Of Construction From XXXX XXXX XXXX. ;
Product: Debt collection

Assocciated Credit put a debt on my XXXX  credit report ( # XXXX ) with out verifying the debt is mine. I do not owe this debt, and dispute its validity. 
I have never done business with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a bunch of alerts concerning my credit report. Once I checked my credit report I noticed a bunch of inquiries that didn't belong to me. I never applied for credit or given anyone permission to apply for credit on my behalf. The listed inquiries are a result of my identity being compromised : 1. XXXX XXXX 2. XXXX XXXX XXXX XXXX 3XXXXXXXX XXXX  4.XXXX XXXX XXXX XXXX 5.XXXX of XXXXa 6. XXXX XXXX XXXX XXXX 7.XXXX XXXX XXXX XXXX XXXX XXXXXXXX 9.XXXX XXXX XXXX XXXX 10.XXXX XXXX XXXX   11.XXXX  XXXX 12.XXXX XXXX XXXX 13.XXXXi XXXX XXXX
Product: Debt collection

This company has illegally re aged this alleged debt that I owe. They have also reported their debt collection agency as a an open account on my credit report. which makes it seem like I opened new accounts and defaulted on them. these deceptive practices have hurt my chances to obtain credit. Now I will be forced to take legal action against this agency unless they delete these erroneous accounts from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing this complaint to dispute several fraudulent hard inquiries made by TransUnion on my credit report. These inquiries were made without my authorization or knowledge, and have negatively impacted my credit score. 

I have checked my credit report and noticed that there are several hard inquiries made by TransUnion that I did not initiate. 

The details of inquiries : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I understand that hard inquiries can negatively impact my credit score, and these unauthorized inquiries have done just that. I believe that these fraudulent inquiries were made with malicious intent and were not made by any legitimate creditor or lender. 

I request that the unauthorized hard inquiries made by TransUnion be immediately removed from my credit report. I also request that TransUnion conduct an investigation into how these fraudulent inquiries were made, and take appropriate actions to prevent this from happening in the future. 

I would appreciate it if you could take the necessary steps to rectify this situation and protect my credit score. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Received notice from Small Claims court that I was being sued by creditor. Never received any notice before this from this collection agency.
Product: Debt collection

My credit report is reporting an account I did not open. I would also need the original signed contract to add to my identity theft affidavit.
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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts. However, they stated everything was complete and accurate. But how is that possible if the open date, last activity date, and more are incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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.

Also, they aren't even in compliance with Metro 2 credit reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting my line of credit account late and over the limit when it is current and has available credit. The payment was reported late on XX/XX/year>. This has been an ongoing issue where as they report the account late every 6 months. This is due to their reporting to the credit agencies being 2 months behind. I have a screenshot.
Product: Mortgage

Since my last complaint, my account with this mortgage servicer was totally researched and it was discovered and settled by Ocwen that they wrongly calculated % and charged higher payments than they should have, on my loan, for the five years that they have serviced it. But the loan was actually from XXXX. I would like to request further examination of this loan, specifically when it was held by Litton Loan Servicing, which Ocwen purchased in XXXX. I have had my mortgage for ten years -- I closed in XXXX XXXX. I have statements from Litton Loan Servicing as early as XXXX. I want Ocwen to forensically assess my loan for what % rates should have been and if what I was charged was correct from XXXX to XXXX. If it is found to be wrongly calculated and I was overcharged in any way, I want a full refund including any late fees and interest or suspense monies held. I am deeply disturbed that my mortgage was handled so poorly and concurrently when I had great financial difficulties in my life. Tax-payers bailed out the banks and folks like me have been trying to do right, pay right and be smart about our credit through the entire crisis. Ironic. I have an Ocwen Ombudsman ( actually two ) but I have not heard from either one since I have left several voicemail messages regarding this new request. XXXX XXXX and XXXX XXXX are my Ocwen contacts. Please help me proceed. I have My Litton Loan Servicing account number and will scan the statement for when I made my first payment to Litton on XXXX/XXXX/XXXX via check # XXXX for the amount of {$1200.00}. My statement listed 7.25 % as the interest rate. The principal balance was {$240000.00}. And the last payment I have recorded to Litton was {$2400.00} on XXXX/XXXX/XXXX. The month before my records indicate I made a phone payment in the amount of {$5000.00}. My statement from Litton Loan Servicing dated XXXX/XXXX/XXXX lists my principal balance as {$260000.00} and the interest rate as 7.25 %. I need so much more information! Why did the interest rate change when Ocwen purchased my mortgage from Litton loan? Why has it always been 7.25 % if it was an adjustable loan? Was it supposed to be less every year since XXXX? Why is my principal higher in XXXX than in XXXX? Has this loan always been growing principal? Please require Ocwen to continue this case! They have to date refused any amount of financial settlement for damages -- even though they caused me financial stress, but if they owe me my own money, then I want every penny back. Please advise.
Product: Student loan

I applied for the XXXX on a XXXX XXXX ( XXXX ) repayment plan in XX/XX/XXXX. I received a notification from Nelnet on XX/XX/XXXX, that I was approved for a {$18.00} payment on the XXXX plan, which was initially to be due on XX/XX/XXXX. When I attempted to make a payment online before the due date, I noticed my account was in forbearance that I did not request. On my dashboard, it says I will be in XXXX XXXX until XX/XX/XXXX. My biggest concern is that, since my account is in administrative forbearance, it is accruing monthly interest that far exceeds the {$18.00} monthly payment I am eligible for under the XXXX plan. Additionally, I received an email from Nelnet stating that this interest accruing during this unrequested forbearance will be added to the principal. I have tried calling and emailing Nelnet but it is impossible to get through to anyone. I and others in my position should not be subjected to the interest accrual during an administrative forbearance that was never requested in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that there are negative reporting accounts on my credit report. These accounts are incorrect and are stopping me from obtaining credit.
Product: Checking or savings account

Somebody called me supposing is XXXXXXXX XXXX and I fell into the trap they wanted me to go to XXXX and send gift cards I accidentally gave her my account I thought my bank would catch on with it which is first national Bank they did not catch on with what was going on and I can't open another bank account because of this
Product: Vehicle loan or lease

Ally Auto Finacial was contacted by me today in regards to their auto pay policy because my checking account is accumulating fees due to Ally trying to retrieve the pay over 10 days earlier than the auto payment agreement, ally continues to charge my account before the agreed auto-pay date. this problem continues to persist with tacked-on fees from Ally. Their consumer services refuse to acknowledge the excessive attempts to charge my account before my payday and auto pay agreement and proceed to hang up on me leaving me with late payments and fees.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have supplied all the documentations needed for these companies. These companies are in VIOLATION of 15 U S C 1681 ( E ) and 15 U S C 1666. They are reporting to my credit reports improperly. I request that the information in inaccuracy is deleted from my credit report. The accounts are Upstart/Network Account # XXXX reporting to XXXX charged off balance {$9100.00} with last activity of XX/XX/XXXX  and XXXX charged off balance {$8300.00} with last activity of XX/XX/XXXX  also Upstart/Finewise account # XXXX charged off amount {$2900.00}. 
.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto lease with XXXX XXXX XXXX I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the XXXX and Transunion Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately. Account : XXXX XXXX XXXX Date opened XX/XX/2006 Balance {$0.00}.
Product: Debt collection

We received a statement from the Management company regarding our HOA dues the statement showed all HOA dues are paid in full however the collection company did not record the payment as showed by the management company and filled a claim in superior court of XXXX XXXX GA stating the bill was not paid. We did not get a notice that such claimed was filed until a sheriff left a notice on our door that a civil action has been filed against us and a judgement was rendered that we owe {$8700.00} for association dues, court cost and attorney fee. 
I have made several attempts to contact the collection company and its attorney however, the attorney on record XXXX XXXX XXXX was very nasty and would not answer any of my questions as to how they arrive at the amount they filed the claim for. XXXX XXXX stated that he has place a levy on my house and if i do not pay his fees he would have a sheriff sale on XX/XX/XXXX the sell my house for {$8700.00} Attach you will find copies of the Management statement showing the paid Association dues. 
The agency does not credit the payment made to the HOA dues outstanding instead they made a line item and for payment received then bill attorney fee and not showing that such payment was made for dues as stated by the management record.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH FCRA XXXX, REPORTING AKA 'S AND ALIAS NAMES AND ADDRESSES UNDELIVERABLE TO ME, ARE VIOLATING MY RIGHTS. 

15 USC 1681 602A I HAVE A RIGHT TO PRIVACY 15 USC 1681 604A STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNTS WITHOUT WRITTEN INSTRUCTIONS. 

NAMES : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX EMPLOYMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX