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

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account. 


3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


4. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


5. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is running inquiries every year without my permission on all my credit for a debt in 2016
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX should not be reporting. me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

ACCT # : XXXX XXXX SSN : XXXX XXXX : XXXX ID : XXXX Address : XXXX XXXX XXXX XXXX, LA XXXX Dear XXXX XXXX : I recently received a debt collection notice from your office with an account number # XXXX, XXXX. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit card

On XX/XX/XXXX I received notification from my credit monitoring that I had a new account opened. The account was from Montgomery Ward. I did not open any such account. I was able to call Montgomery Ward on XXXX to let them know the account was fraudulent. They opened a case to send to their fraud team and I was told I would be receiving communication in the mail and the account would be closed and removed from my account in 30 days. I received one letter requesting confirmation from identitytheft.gov and a police report if available. I sent them the report from identitytheft.gov but did not open a police report as it was not required or necessary. I have been unable to get status from Montgomery Ward on the account and I have followed up with letters on XX/XX/14 and XXXX. The account is still listed on my credit report.
Product: Student loan

In XX/XX/XXXX we were approved for a loan from XXXX XXXX to further our son 's education. During this time XXXX XXXX changed into Navient. We have paid on our loan for 16 years, the loan was for {$39000.00}. Today we still owe {$25000.00} in principal. We wonder what happened to all the money we have paid in because we have paid {$33000.00} est. We are missing a full year in amortization from the Navient 's list of payments that was mailed to us. Along the way we were slapped with roughly a {$1000.00} in late fees. We are now retired and are concerned about this entire fiasco, and would like someone to help us with this matter.
Product: Debt collection

Ok so back in XXXX my identity was stolen when I lived in va. I made a police report. Let credit bureaus know what happened. I thought that fixed anything that would arise. I kept getting bills from XXXX saying I owed money. I called them and explained what happened. They wanted me to send them a copy of the police report and I did. So I was told it would be taken care of. XX/XX/XXXX I get a letter in the mail from diaz and associates  saying I owe XXXX  money! So I called them. They claimed they couldn't locate my file. So they dismissed it. Never got another letter til today. XX/XX/XXXX. This debt has never once been on my credit report. I've talked to XXXX  and they say I owe them nothing. But these debt collection companies say I owe money. I know that I don't. Someone used my social security number to order stuff from XXXX and it wasn't me. I shouldn't have to pay a debt that isn't mine. My credit is excellent. I have no missed payments on my credit cards. Why would I mess that up?
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently ordered my credit report form Transunion and i noticed some inquiries that i did not authorize. Such as 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 XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX ( XXXX ) ; XXXX XXXX XXXX ; XXXX. I 'm not aware of any these inquiries that has shown on my report.It 's cause significant damage to my credit report. I 've reached out to Transunion multiple times and stated that these inquiries does n't belong to me. I asked them to delete these inquires immediately. I 've put out fraud alerts reports in XXXX and XXXX because of situations like this.Someone stole my identity multiple times and opened false accounts under my name that I had to file a police report for. These inquires should be removed immediately since it 's against federal law ( Fair Credit Reporting Act-15 USC 1681n ( a ) ( 1 ) ( B ) to report false information on my credit report.
Product: Mortgage

I was having difficulty in making the additional payment of taxes and insurance included in my mortgage payment. I called my loan servicer multiple times and indicated my troubles and that I could make the principal and interest portion of my payment in which I did, however the servicer did not apply the payments accordingly which resulted in late payments and resulted in these late payments being reported to the 3 credit bureaus. I was also in the middle of selling my home which I had indicated numerous times as well. I ended up selling my home and paying off the loan in full. My most recent call to the servicer was to request documentation to file a dispute with the 3 credit bureaus and to see if there were any remaining funds that are to be refunded to me. The representative indicated that there is XXXX remaining in my escrow account, he indicated they have to hold the funds for 90 days as that is their policy. I asked the representative to send me their policy in writing, however he said that they don't have it in writing and indicated that the county in which my home that I sold was located is their policy as well ... .which is not true. I want to file a complaint against Specialized Loan Servicing, LLC as to the  way they handled my account and would like to know if legally they can hold my funds after a loan has been paid in full.
Product: Mortgage

Loancare.com is the servicer of my mortgage. I have reached 78 % of the original value of the property. ( 22 % equity ) and LOANCARE refuses to terminate PMI as required by the HPA of XX/XX/XXXX. The loan is current and I have never had a payment 30 days late or later. 

Borrower Name XXXX XXXX. Property Address XXXX XXXX XXXX XXXX MA XXXX. Current Principal Balance {$140000.00} .. Property Value {$190000.00}. Phone Number ( XXXX ) XXXX. Email Address XXXX.. General Loan Information Current Principal Balance : {$140000.00} Loan Origination Date : XX/XX/XXXX Next Payment Due : XX/XX/XXXX Monthly MI amount : {$96.00} Total Scheduled Payment : {$1400.00}
Product: Mortgage

I has my mortgage with boa until yesterday when my loan was transferred to XXXX   XXXX. I was never notified either by phone, email or letter by boa about this situation. 

On the other hand I just received a notification by XXXX telling me that they are taking over the loan.. 

I have been paying within the month of my regular payment so I have never been late. I even have a representative from boa that call me regularly to verify that I was able to make the payment within the month.. again i always paid within the month no late payments ... he never mentioned that boa will be transferring my loan. 

I believe boa is not a bank to be trusted for consumers, they take advantage due to their position in the market. They should notified if they are going to do this before hand. 

Note ... since my loan was erased from boa website I not sure if this was a conventional o or FHA loan.. 

Regards
Product: Debt collection

I tried contacting the debt buyer, Resurgent/LVNV Funding by mail letting them know that the account was paid in full to another debt collector. They replied they needed further information. I sent them the date payment was made, the name of the debt collection Agency and a copy of the receipt. They responded that the receipt was only a ticket with the correct amount of {$630.00} and date but it was not a carbon copy with whom the payment was made too. I then sent more supporting documents which was not sufficient. I then asked them to reach out to the originator of the debt ( XXXX XXXX XXXX XXXX ) They refused and said according to their information, I still owe this debt. I contacted them by phone and got the same thing, according to their information I still owe, the account was still active.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I applied for a refinance of my home loan. The finance company told me that in order to close my loan I had to pay a charge off on a credit card with CB & T who is now known as Synovus. I reached out to XXXX to report the error on my file and I made numerous attempts to resolve with Synovus by phone and email. When I send the email I am advised to speak to a representative, when I speak to a representative they tell me that can not research it because I do not have the card number. They can not find anything under my name or SS # on their files relating to a credit card. So I did some research myself and found that the CC that is being reported under my name as an authorized user, is my daughters account. However the card on her credit file with the same opening and closing date of the card is showing paid as agreed and paid in full in 2015. But on my credit report it is showing as a charge off. I have provided Synovus all the supporting documents and they still contend that unless I can provide them the card number they can not help me. I cant provide them a card number because I didn't have a card, she just placed me as an authorized user without my knowledge and consent as an emergency. She paid the account off in 2015 and does not have anything that shows the card number. I always thought that if the lender can not find a record for derogatory information then they were obligated to remove the line. Seeing as they can not find anything under my name or SS # I would think this would be a no brainer. However I am into my 3rd week of dealing with them and am still in the same spot I was in at the beginning, no one is willing to resolve this or prove that I entered into a card agreement with their bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Experian a incorrect/correct address dispute letter stating what address were incorrect and correct on XX/XX/2020. This letter was sent certified. Experian failed to update my credit report with correct address information stated in documentation.
Product: Credit card or prepaid card

A FRAUDULANT CREDIT CARD WAS OPENED AT AVANT LLC/XXXX XXXX  ACCOUNT # XXXX A FRAUDULANT ADDRESS WAS USED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX - Received collection notification from Savit Collection Agency. I was unaware of a debt from XXXX XXXX XXXX ( because they had an incorrect address for me ) so I called Savit and they sent me the XXXX bills. XXXX XXXX XXXX improperly billed ( billed as eye exam ) my insurance company ( XXXX ) for three service dates ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). All 3 dates of service were for medical issues ( diagnosis codes are included on the bills ) however XXXX XXXX XXXX coded them as eye exams and XXXX doesn't cover that so they were rejected. Unbenounced to me, until i received a statement ( with the wrong address ) in XX/XX/XXXX and XX/XX/XXXX. At which time, I called XXXX XXXX XXXX multiple times and was told they would process them again. I was never informed that the bills were being rejected and hadn't been processed. 
XX/XX/XXXX - I become aware of the issue when Savit Collection Agency reported the debt to the credit agencies ( credit score dropped XXXX points ). I spoke to XXXX ( billing is too old to reprocess ) and Savit ( they need XXXX XXXX XXXX to recall the debt ) numerous times and both conclude XXXX XXXX XXXX is at fault. However XXXX XXXX XXXX won't return my calls or emails. 
I have included all documents to support my claim. Please intervene and fix the issue. I have a stellar credit report history for over 45 years and have NEVER made a late payment. Thank you for your time.
Product: Checking or savings account

On XX/XX/XXXX I received a direct deposit into my Venmo account from my job. I tried to transfer the money into my bank account as I always do and they suspend my account. Ive called them and they told me it was nothing the could do and it would take XXXX business days for e to get my account unfrozen. I need my money now. I have important bills that are now late because of this situation
Product: Debt collection

I have provided this agency numerous times proof that I paid my portion of the XXXX directly to the XXXX prior to the XXXX. My agreement with the XXXX was that all I had to pay that was my responsibility was that amount. This has been going on for over a year. I have provided the proof on multiple occasions directly to the original vendor. They now are trying to force me to pay up by reporting me delinquent to the credit bureaus with the hope that it will scare me into paying up the money i do n't owe.
Product: Mortgage

On XX/XX/2018 I refinanced my home in Idaho. Statebridge Co. was the servicing company for my loan. They are located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Co. XXXX. Phone-XXXX. I contacted them about one month after my loan was paid off to inquire about my ESCROW funds. I was told they have up to sixty days to return the funds but are usually returned within thirty days. After several weeks, I again spoke to them. They informed me they would open a ticket on the issue and would be in contact with me in a few days. I did not here from them. I spoke with them again XX/XX/2018. I was told my situation had been escalated and more tickets were opened to expedite the return of my funds. I requested to speak to a supervisor of which none were available. I cant pronounce the name of the person I was speaking with. But I was assured the supervisor was handling it personally and I would receive a follow up call in a few days. I called them again XX/XX/2018 with basically the same scinerio. I called again and spoke to XXXX who mimicked the previous contacts. 
The company did not pay my insurance in XXXX nor have they paid my taxes which were due XX/XX/2018. They have far surpassed the deadline to return my funds. Please help. What accountability can they be held to.
Product: Credit reporting or other personal consumer reports

I have received an alert of a new Inquiry from a lender ( Bank of America. ) on XX/XX/year> I have never authorized or have had any contact with this Bank. 
I requested a Fraud Alert and filed a dispute with them last XXXX because of this very same situation and now, here we are again, another unauthorized inquiry 7 months later from the same lender.
Product: Debt collection

I reached out to Account Resolution Services a division of HRRG, LLC in XX/XX/2021 requesting that they validate a medical debt they had placed on my credit report. I received a correspondence from them dated XX/XX/2021, which did not provide any proof of validation. I then sent them a certified letter which was signed for on XX/XX/2021, again asking for them to validate the debt. They sent a correspondence identical to the first one on XX/XX/2021, which did not provide the information that I requested as proof of validation regarding the debt belonging to me. On, XX/XX/2021, two certified letters were sent to them, one advising them again to validate the debt, as well as a Failure to Validate the debt correspondence. I received a third correspondence which was identical to the first two where they still failed to validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF FRAUD, IDENTITY THEFT, and or BOTH and I HAVE IDENTITIFIED these ACCOUNT and its derogatoriness as being associated with the mentioned unfair circumstance. As is my consumer right to do so, I here now DEMAND BLOCKAGE of this claims reporting and additionally demand ERADICATION of claims debt ( s ), if any, should the alleged data furnisher fail to timely and adequately validate the claim in whole in writ document form undoubtable. I FURTHER DEMAND that any associated events and or accounts and or reported data be as well fully eradicate and permanently so. FRAUDULENT events OR those resulting from identity theft can NOT be adequately compliant in its report-ability NOR its adequate ethical collectability and the DEMAND is that either is to cease immediately and permanently. ** I am not a debtor. I am a Secured Party Creditor that DISCHARGES ALL DEBTS PURSUANT TO 73RD CONGRESS. SESS 1. CHS. 48 49. 
XX/XX/XXXX, XXXX, XXXX HJR 192 HR 1491 PUBLIC LAW 1 48 STAT 1 PUBLIC LAW 10 CHAPTER 48 STAT 112 PUBLIC LAW 73-10 40 STAT 411 TRADING WITH THE ENEMY ACT ( TWEA ) XX/XX/XXXX XXXX XXXX Brady v. U.S., 397 U.S., 742 at 748. Waivers of Constitutional Rights must not only be done voluntarily, they must be knowingly intelligent acts done with sufficient awareness of the relevant circumstances and consequences ** ** 18 U.S. Code 241.Conspiracy against rights : If two or more persons conspire to injure, oppress, threaten, or intimidate any person in any State, Territory, Commonwealth, Possession, or District in the free exercise or enjoyment of any right or privilege secured to him by the Constitution or laws of the United States , or because of his having so exercised the same ; They shall be fined under this title or imprisoned not more than ten years, or both ; and if death results from the acts committed in violation of this section or if such acts include kidnapping or an attempt to kidnap, aggravated sexual abuse or an attempt to commit aggravated sexual abuse, or an attempt to kill, they shall be fined under this title or imprisoned for any term of years or for life, or both, or may be sentenced to death. ( XX/XX/XXXX, Ch. 645, 62 Stat. 696 ; Pub. L. 90284, title I, 103 ( a ), Apr. 11, 1968, 82 Stat. 75 ; Pub. L. 100690, title VII, 7018 ( a ), ( b ) ( 1 ), Nov. 18, 1988, 102 Stat. 4396 ; Pub. L. 103322, title VI, 60006 ( a ), title XXXII, 320103 ( a ), 320201 ( a ), title XXXIII, 330016 ( 1 ) ( L ), Sept. 13, 1994, 108 Stat. 1970, 2109, 2113, 2147 ; Pub. L. 104294, title VI, 604 ( b ) ( 14 ) ( A ), 607 ( a ), Oct. 11, 1996, 110 Stat. 3507, 3511. ) **