23daVinci/CFPB_Complaints huggingface dataset:
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 and XXXX And XXXX are consumer reporting agencies and I am the XXXX. 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. '' ( Furnisher of information to credit agencies ) 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. '' ( Furnisher of information to credit agencies ) the XXXX XXXX and the XXXX reporting agencies XXXX and 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, ( Furnisher of information to credit agencies ) 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. '' ( Furnisher of information to credit agencies ) 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 XXXX 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 and XXXX, 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: Mortgage

XX/XX/XXXX, today, I received another notice and loan documents. I don't need a loan. I'm paying the principal amount every month. 
I tried to reach my account online and it's been removed. Can not make any payments online, period. 
HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Transunion and XXXX to remove two government over payment debt accounts from XXXX XXXX XXXX XXXX from my credit report. Transunion has decided not to remove the account from my report and dispute with XXXX is still pending. These two government over payment accounts should not be reported on my credit report, because they did not arise from an agreement or contract to pay. According to the CRA agreement, which resulted from the investigation of the CRA 's by New York State Attorney Genera, XXXX XXXX XXXX, states : " The CRAs shall prohibit Collection Furnishers from reporting debt that did not arise from any contract or agreement to pay. '' It also goes to state : " CRAs shall implement a process designed to remove from the CRAs ' respective credit reporting databases any existing data reported by Collection Furnishers relating to the collection of debt that did not arise from a contract or agreement to pay. '' Both of the above named accounts apply to this, and would like them removed from my credit report. I will attach the mentioned agreement with the statements pertaining to this matter highlighted in yellow.
The dispute reference number for the Tansunion dispute : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my credit report, I found XXXX credit inquiries from companies I 'd never heard of in states that I do n't live. I 'd like these removed, and I 'm wondering why the companies were given my information in the first place. I 've called all of the companies and been told variously to either write a letter or that they could n't help me. Why did XXXX happen within XXXX days of each other this XXXX? I do n't own a house ; why are XXXX mortgage companies looking at my information? What is XXXX? Is that the same marketing group hired by both mortgage companies? If they 're only licensed in MA and NY, why would my information even be useful to them? 

On XXXX/XXXX/XXXX, XXXX XXXX XXXX listed at XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX inquired after my credit. 

After googling, their name is XXXX XXXX XXXX. 

On XXXX/XXXX/XXXX, XXXX XXXX listed at XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX inquired after my credit. 

On XXXX/XXXX/XXXX, XXXX XXXX XXXX listed at XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX inquired after my credit. 

On XXXX/XXXX/XXXX, XXXX XXXX listed at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX inquired after my credit. 

And on XXXX/XXXX/XXXX, XXXX XXXX XXXX listed at XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX inquired after my credit.
Product: Mortgage

I have tried several time to get this removed from my credit report IT IS NOT MINE, IT IS NOT MY NAME. XXXX XXXX XXXX ACCOUNT # XXXX, XXXX REFUSES TO REMOVE. 
XXXX XXXX AND XXXX XXXX XXXX IS not my name, so remove from my file
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the bureaus on XX/XX/2020 and I haven't received any type of indication/notification of the investigation being worked on. I feel like i'm being taken advantage of at this point. According to the FCRA these inaccurate unverifiable items must be deleted immediately. It's been well over 30 days I just want these problems resolved.
Product: Debt collection

Was served court papers from " Jefferson Capital Systems , LLC saying I owed them money. I wrote to the company  XXXX   XXXX ,    2017  and asked for verification, the name of original debtor, and amount of original debt. Then on  XXXX   XXXX ,  2017  they filed court papers charging me with the debt.I filed a request for dismissal because they failed to tell inform me of the original debt information. On  XXXX   XXXX ,  2017  they sent me another letter saying I owed "  Jefferson Capital System LLC, again  without giving me any information on the original supposed debt. I still have no idea of who is the original debtor is or the original amount. I now have to answer an " Order for Stipulating an Order for Scheduling ''. They placed this debt information on my credit without any notice to me, I was notified by  XXXX   XXXX  that a new debt was placed on my account. Both of these issues are against the FDCPA ( Federal Fair Debt Collection Practices Act ).
Product: Mortgage

On XX/XX/XXXX I applied for a home equity line of credit with Bank of Texas, owned by XXXX XXXX. I filled out the requested forms and delivered the desired documents in a timely manner. On XX/XX/XXXX, I was told I needed to update our homeowner policy to include my partner because she is vested on the title to the house. I did so and was told at the time that my partner would need to sign a disclosure because they were vested on the title. After I signed the same disclosure, I asked Bank of Texas twice if there were any more documents to sign. They affirmed in the negative that there were not. On XX/XX/XXXX, we were told to expect closing on or around XX/XX/XXXX. On XX/XX/XXXX, we had finalized a closing date of XX/XX/XXXX. Immediately after finalizing this closing date, we were told that the Bank had forgot to send us the disclosure previously mentioned for my partner to sign. Because of the 12 day legally mandated waiting period in Texas, this forgetfulness delayed our closing significantly. This has caused undue hardship on myself and my partner as we have to delay our renovations until the funding is received. The house isn't in a livable state during current renovations and we are forced to find alternate lodging in the interim. Bank of Texas negligence has created a financially stressful and difficult situation for us.
Product: Debt collection

I was contacted on the telephone by an agent from XXXX XXXX XXXX in XXXX. They said they were trying to collect on a debt that was overdue for over a year. I never received any information and was told that it was because they must not have a current address to explain why I had n't received mail and that they had tracked down my phone number. I asked for details and they claim it was from a cashed check at CASH CENTRAL. The bank account she referenced has been closed for over a decade and the address referenced was also over a decade old. I asked for written details and gave them my current address. She explained that I would need to file a fraud report in order to not be liable. In the process of trying to collect additional information required to file a report with the police, I pulled my credit report from all three agencies only to discover that this debt in collection does n't appear on any reports. I went online to research the company and discovered that there were quite a few complaints against the company for similar incidents. I believe they are trying to collect on a fictitious debt.
Product: Credit reporting or other personal consumer reports

Ive made several attempts to this company to stop reporting inaccurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a Social Security Form 3288 ( SSA-3288 ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous inaccurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that XXXX, transunion, XXXX ASSUMED this VITAL role pursuant to 15 USC 1681 ( a ) ( XXXX ). Also, XXXX, transition, XXXX failed to be fair and respect my privacy according to 15 USC 1681 ( a ) ( XXXX ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. XXXX, Transunion, and XXXX is in violation of several federal laws including responsibility they have to protect my privacy. Im giving experian, TransUnion, and eqyuifax the opportunity to make this matter right by way of the following TransUnion needs to remove the bankruptcy like experian, XXXX, and XXXX did. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Bankruptcy Court BankruptcyXXXX Reference # XXXX.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX -- INQUIRIES -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I owned a property in XXXX FLXXXX which I sold 2 years ago and had an account with BB and T. This bank was acquired by Truist . 
I want to close the account t and remit the balance back to my XXXX dollar account. 
They keep telling me I have to go to their online banking site but I no longer have an ITIN number so I can't access it and they say there is no other way the funds can be transferred.
Product: Checking or savings account

I have been using XXXX, through my Chase Bank Checkings Account, to process payments to my childcare provider for roughly XXXX   years. These payments are scheduled to be processed weekly, on the same day and in the same amount each week. On XX/XX/year> at XXXX pm ( PST ) they emailed me explaining that they had cancelled my weekly payment scheduled to be processed the following day. The offered no explination as to why they took this action, but directed me to call them at XXXX to have any questions answered. I followed their instruction and called said number. After wasting more than XXXX minutes of my time, their agent explained that someone must have hacked my account and transfered me to their fruad department. After wasting more time with their fraud department, it was explained to me that the prior agent was not being truthful, that there was no evidence of fraud, and that they are not able to tell me why they blocked my payment. I then contacted them via them in writing requesting an explination for why I was lied to, and again, why they are playing games with my valid, scheduled payments. On XX/XX/year> they responsed and told me I must call them again at XXXX. 

It is clear that they are playing games with my money, and that they refuse to explain any valid reason to do so. I can not afford to invest more time dealing with their long hold times and dishonest staff to get an explination. Given that they have refused to provide any valid reason for blocking my routine payment, and that thay, by their own admission have flat out lied to me with alarmist accusations of fraud designed to get a particular agent off the phone, it is my opinion that they must be sanctioned. I am not a lawyer but I know that they can not legally manipulate my money and lie to me about the reasons for doing so, nor can they refuse to offer a valid explination.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX : On going credit changes due to charge accounts going up and down payed many cards off, no Balances for more than a month dropped my score 60 +. Taken longer to raise my score back up credit is exceptionally well. 

How can you drop your balance, decrease 's and your score goes down 24 PTS.??? 

Equifax ; same solution but better but not fast to increase your score based on traditional percentage use. 


Thank you for all your help XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE STOLE MY PURSE ALONG WITH PERSONAL INFORMATION AND LATER OPENIED UP THE FOLLOWING FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Resurgent Capital Services has not addressed any of my concerns. This dispute is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Uniform Commercial Code ( UCC ). Specifically, I believe certain terms of this alleged debt may be unconscionable as defined under UCC 2-302, rendering them unenforceable. Failure to comply with this request may result in further action, including but not limited to filing complaints with the appropriate regulatory agencies or pursuing legal remedies. Thank you for your prompt attention to this matter.
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 demand to be deleted immediately XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - XXXX XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/202XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/2022 XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/2022 XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/2022 XXXX OF XXXX ( XXXX ) - ( XXXX ) XX/XX/2022 XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XX/XX/2022 XXXX ( XXXX ) - ( XXXX ) XX/XX/2022
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in 2018 a phone service was opened in my name someone used my identity i have a out standing bill for XXXX from XXXX phone services i disputed this on my credit and its still showing up
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2018 the entire loan amount I carried with Navient was paid in full and somehow the account is showing as closed. Paying the debt off was incredibly difficult as they did not offer many options for payment in full and methods of doing so. 
Secondly, I was serving in the XXXX XXXX XXXX during the times that Navient denied me any benefit to repayment options or anything of the like they claimed to offer service members. Instead they marked my account as being in forbearance which further delayed the proper repayment of my loan, furthermore tacking on unnecessary fees et al toward my principle balance due. My credit score continues to suffer even today given Navients blatant malpractice and predatory loan procedures. The loan has been paid in full for years now. It now shows on my report as closed and has continued to destroy my chances and hopes of providing a home for my young children given the constant negative remarks and false information added even to this day. 
I ask for justice not just for myself but for my children who deserve a home of their own. We have moved often in order to give them what they need and deserve and they deserve to have a home. A true home. My husband and I have worked very hard serving our country and the people of this country on the civilian side outside of our military duties for years. This is grossly unjust behavior and incredibly unfair. 
Navient, among other predatory loan establishments should be held accountable for the life long damage they create for the people of this great nation. The price I expected to pay for a higher education in this country has quadrupled in the negative effect and horrible toll it has taken on not only me but my family. 
Please do something about this. I plead for your assistance in changing this for not only myself and my family but for many many other families suffering at the hand of Navient and their predatory practices. They should not be allowed to continue preying on young Americans hoping for a better future. 
Thank you for your time and good day. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

Due to the financial crisis of XXXX my income declined to one fifth of previous years and finally in XXXX I was forced into a chapter XXXX bankruptcy. I got back on my feet and started paying back my creditors 100 % of what I owed. My mortgage was the only thing I was allowed to keep through M & T Bank. In the spring of XXXX I was sent a package from M & T Bank via XXXX XXXX that I had to sign for. It was a pile of documents saying that the Federal Government had told M & T that I needed to refinance my mortgage to a lower rate. I called the number and asked if this would this apply to me because I was in a chapter XXXX bankruptcy. They said yes let 's proceed. They then called and said I needed to get permission from the Trustee and the Judge so I contacted my attorney who did what I asked. About 2 weeks later they called and said they could not refinance me. 2 weeks after that I received a notice that they were charging me attorney fees for asking the court to refinance my mortgage. I called my attorney and she said that it might just go away since they asked me to refinance and they were my current mortgage holder. I went on with my Chapter XXXX and paid it off. 2 weeks after paying off my chapter XXXX I received notification on my mortgage statement asking for payment of a recoverable corporate advance. When I called and inquired about this they told me it was for the attorney fees that they incurred when my attorney asked the Judge about my refinance. I do not feel that I did anything wrong here since they made the original offer. And I do not feel these charges of over {$840.00} are justified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Phoenix financial has two accounts listed on my credit report that is a violation of fair credit laws. The first problem is validation. The second problem, another violation I have no idea what these amounts are for or the date because I never received a notice stating I owed the amounts of XXXX and XXXX or any detail how they calculated amounts.