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. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhere is some inaccurate information reporting. 
XXXX XXXXXXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX XXXX
Product: Money transfer, virtual currency, or money service

My XXXX XXXX XXXX  reports show I have the following account with a limit of {$1700.00} and a balance due of {$100.00} : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX I do NOT have a PAYPAL CREDIT CARD! Please have this removed. I pay all my Bill 's and purchases with direct bank a count or credit cards, which I keep current or at XXXX balances ; those cards does NOT include a PAYPAL CREDIT CARD and I XXXX  the telephone number and everything says SCAM AND FRAUD! PLEASE REMOVE! 

Thank you, XXXX XXXX
Product: Student loan

I tried to work with the new company that took my loan. When I was under XXXX they kept telling me the defer or forbear my loan instead of being put on IDR. I don't remember dates. I'm just tired of feeling like my complaints are going nowhere.
Product: Debt collection

Amshercollection services is trying to collect debt that i do not recognize i contact the actual creditor agency XXXX XXXX  and they cant find no account under my name in the state i live in it was opened XXXX XXXX for the amount of {$850.00}
Product: Mortgage

My wife & I purchased our first home from world savings. During our. XXXX yrs of mortgage payments the loan had changed banks 3 times. World savings to XXXX to Wells Fargo. We purchased our home in XXXX with 20 % down that I believed was suppose to eliminate the escrow account created by the banks. When my self-employed business hit a threshold. I applied to refinance but was not allowed. So I then applied for a modification during the foreclosure process my wife & I were told our paperwork documents that were certified mail was lost in the timely processing dual tracking is what I learned was the norm for the banks. I was blessed to get a contract signed to make the payment of 3 months + additional fees. Then XXXX yrs later we fell behind & never did receive a chance for a loan modification knowing what had happened to our first attempt. We were left with no other choice but to file bankruptcy to save our home. Even that process would not allow us to save our home. I asked for our equity back 2 years before any payments were paid. Even had the house sold for XXXX. But could not reach an agreement. My house was foreclosed on on XX/XX/XXXX. XXXX. I had filed a third attempt of XXXX  but was told I was to late.
Product: Mortgage

Seterus, Inc. was transferred a mortgage from XXXX. The said mortgage was surrendered in Bankruptcy No. XXXX and was discharged on XX/XX/XXXX. Seterus began reporting this mortgage as collections in XXXX. In trying to obtain a new mortgage this came up on the credit report and is hindering us from obtaining the mortgage. Several letters from my attorney were sent advising of this situation and we have had no resolution and they advise it will take 30-45 days to even get a letter from them indicating they were incorrect on their reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

fcra violations see attachments : remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX TX XXXX APARTMENT COMPLEX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX SINGLE FAMILY XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX SINGLE FAMILY XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit FCRA violations please send me proof of this late payment RemoveXXXX XXXX XXXX XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit FCRA violations please send me proof of this late payment Account Name XXXX XXXX XXXX Account Number XXXX please understand if I miss something I might have to report it at a later date I'm not the expect at credit Im a POLICE OFFICER : XXXX county sheriff 's office
Product: Credit reporting or other personal consumer reports

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be amended right away. 
XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently started to monitor my credit with extra time on my hands this year with me not being employed and I notice someone has stolen my identity I have several fraud accounts in my name I have tried getting this resolved credit agencies and they are not helping ..
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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 inaccurat
Product: Credit reporting, credit repair services, or other personal consumer reports

MY COMPLAINT IS WITH XXXX REPORTING. MY REPORT HAS BEEN FILLED WITH INACCURACIES THAT I HAVE BEEN ADDRESSING SINCE XX/XX/XXXX. MORE RECENTLY XX/XX/XXXX. I AM A XXXX VETERAN AND LOOKING TO BUY A HOME FOR ME AND MY FAMILY. I HAVEN'T BEEN ABLE TO OBTAIN HOME LOAN BECAUSE OF ALL THE MISINFORMATION THAT IS LEFT TO MIS REPRESENT WHO I AM AS A RESPONSIBLE LIVE PERSON IN SOCIETY. IM AWARE OF MY RIGHTS, AND ID LIKE EXPERIAN TO BE ADDRESS ES OF THE ERRORS THEY CONTINUE TO FALSELY REPORT
Product: Checking or savings account

On XX/XX/24 through the XXXX not sure which day, I opened a checking account online and on XX/XX/24 I received an email saying my account was closed due to suspicious activity and I havent even used or set up direct deposit. I called customer service they tried to do the identity check and said that it failed that I could call back and talk to someone else .. so I called back and customer told me that they could not help me. They didnt even give me a reason for the closure of the account they was not helpful. They told me to go to a physical bank but theres no chase bank close to where I live if someone could help me understand whats going on I would greatly appreciate it.
Product: Student loan

In behalf of my son, I am hoping you might be able to help me out. Back in May of this year, XXXX, he got word from my coworker that he received a check of the amount he paid towards his loan for XXXX XXXX XXXX - XXXX, XXXX. He told him to look into it to see if he would be getting paid as well, because they both went to the same school at the same time. So he started researching and found the article that was from last XXXX stating that students that went to XXXX would be having their loans discharged. So he contacted Aidvantage and they told him to contact the borrowers defense hotline. So he did that and they told him to contact the loan servicer. So hes just getting tossed back and forth with information that is not helpful. Hes hoping that you can help with giving us better information than those two resources. I know how much he paid to his loans and he just wants to know if and more importantly, when he should receive his discharge refund. So if you or the others at this financial group could help, that would be greatly appreciated. 
I, the parent also had a parent plus loan in which I made payments, in approximately {$36000.00}, which was paid off.
Product: Credit card or prepaid card

On XX/XX/XXXX I applied to the Apple Card by Goldman Sachs Bank. The following week right after I was approved I inquiry and requested my SCRA benefits being applied to this account since I am a military in XXXX XXXX since XX/XX/XXXX. 

On XX/XX/XXXX I was denied the benefits, and their reasoning was that they only grant the benefits to service members that apply for the card before being ordered to XXXX XXXX. Basically since I applied for the card while being on XXXX XXXX I do not qualify. I sent my military orders and even a memorandum signed by my commanding officer stating that to the date of the request I was actively serving as a service member, because at first the military order alone wasnt enough for them. Which it makes no sense, they were asking for another military order on top of the one that I currently provided which that tells me that they dont know how a military order works ( My current military XXXX XXXX order runs until XXXX ). I never had this bad of an experience with another mayor bank. Currently I have the benefit applied to 3 other accounts in different banks and never had a issue. 

After it was denied, I requested the policy that they used to disclose and determine who qualifies to the SCRA benefits. I requested the policy via email and by mail. They never replied. The information of the bank on the topic is very vague on the internet and out of the 3 times that I called no one could tell me what was their policy. They stated that a supervisor informed them that I was not qualified but could not provide the policy or regulations they guide themselves to this types of process. Still I am waiting for the document that discloses who and how any service member qualifies for this particular benefit and how they based their decisions. 

To my understanding, the requirements to receive the SCRA benefit applied is only to provide a military order proving my current XXXX XXXX status. I would appreciate if you can help me to get to a resolution to this issue, weather it is a document informing the actual requirements or to actually get the benefit applied. 

Thank you.
Product: Debt collection

Transworld is reporting medical records to credit bureaus ( XXXX  XXXX  XXXX  ) I found out onXXXX20 that the accounts have not been in there office for a couple of months but they are still reporting them to the credit bureaus as of the have them. I called and ask them to be removed from all of 3 credit bureaus they told me that they couldnt unless the original creditor ask them to but they down have the collection in there office any more. I asked why are they reporting the collections to the credit bureaus if they no longer have the debt they informed me its because the original creditor has to tell them to stop. I told them under the fcra guidelines they are reporting false misrepresentation under 15 USC Section 1692E. I called the credit bureaus to have them pull it off my credit reports because thats misinformation they told me they cant ... .. when I know they can.
Product: Credit reporting, credit repair services, or other personal consumer reports

Final request to remove all unauthorized inquiries. 
After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed.Please remove the following unauthorized inquires which I listed in Identity theft. 


I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately. 

Please send me an updated credit report after you have deleted the inaccuracies. Thank you.
Product: Credit reporting or other personal consumer reports

My information was exposed from A data breach and I FTC complaint was filed ref number : XXXX XXXX  XXXX XXXX Balance XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX  XXXX Balance XXXXXXXX XXXX XXXX XXXX Balance XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estopper by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

In early XXXX, XXXX  I moved from XXXX  to XXXX  after a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thus, I am unable to use the phone. I reached out to my credit card company, Discover requesting them to update my address and phone number. I sent numerous letters via US Mail to the customer service addresses listed on their website. They will not respond to replace my card or to close my account if they do not want to issue me a new card. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I no longer have access to my old number after it was disconnected and I was transferred to XXXXXXXX XXXX XXXX XXXX  I would like this account updated so I can use it, or closed immediately.
Product: Credit card or prepaid card

XXXX XXXX $ {$990.00} ( police report made, person arrested and charged ) XXXX XXXX wouldn't and didn't refund my money ... This was my whole check ... Reason. Didn't have enough evidence.. I had nothing ... This whole month. I tried repeatedly reopening dispute. To be denied ... I sent in police report ... They didn't lifted a finger to look into it ... XX/XX/XXXX ATM withdrawal {$500.00} XXXX XXXX card no money dispenced,,, XX/XX/XXXX disputed,, paperwork sent in,, them won't even give profelice credit. XX/XX/XXXX {$990.00} DISAPPEARED. I disputed didn't have XXXX.. I'm tied I live on my check ... I'm on XXXX.. XXXX XXXX XXXX  XXXX,, XXXX XXXX issues,, and XXXX survivor,, I'm in a chair,, I've contacted XXXX XXXX on all these,, to customer service it takes hours to get thru to, if you do,, and level two even harder your lucky if you do,, no number r address to these investigators. My x has made it inpossable for me to even get a regular bank account, direct XXXX is a nightmare,, and my money keeps going,, I'm crying still on twice I lost my whole check I had nothing,, but I did the questionnaire they sent me and even went and talked to vendors,, I need help,, please. XXXX XXXX {$500.00} no cash dispenced ATM withdrawal I'm presently in dispute with XXXX XXXX .. someone HELP,, IM LOST TO KNOWLEDGE OF WHAT TO DO.. WHY DOESN'T SOCIAL SECURITY, ,I KNOWING THEY ARE IN KNOWLEDGE OF PEOPLE LOSING WITH XXXX XXXX/COMERICA BANK ISN'T HELPING US,, WHY ARE THEY KEEPING THIS COMPANY,, WHO KEEPS ON TAKING FROM US?
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Credit reporting or other personal consumer reports

Upon further investigation, I contacted each credit bureau XXXX and Equifax. I verified that XXXX XXXX is reporting account : XXXX illegally. This company did not have my permission to obtain my personal information to open an account. I have sent this company several notices in writing via USPS certified mail to inform them that my information was obtained fraudulently and to remove this information from my credit files. I have sent them a police report, an identity theft affidavit from FTC, and also from their company website and identity theft affidavit. All documentation notarized by the state of Ohio. This company has ignored my request to do a thorough investigation into this account. 
This company is also reporting misinformation to each bureau. On XXXX it says the closing date was : XX/XX/XXXX on XXXX the closing date is XX/XX/XXXX. XXXX XXXX is also reporting monthly an over the limit utilization rate when the account is closed and charged off. XXXX XXXX is also report to Equifax and do not have an address, social security number, phone number, nor original documentation on file stating this account belongs to me. I have asked for this company to send me proof of the account. They have ignored every attempt. I have a confirmation number from Equifax : XXXX regarding this dispute. XXXX XXXX is also updating the account with my current information I have sent in for the dispute, and I did not give my permission to do so. This is a violation to my consumer rights.
Product: Mortgage

My name is  XXXX   XXXX   XXXX , I am translating on behalf of  XXXX   XXXX   XXXX , who is the borrower on this mortgage.     Mr.  XXXX , does not speak any  XXXX  and hired a company by the name of  XXXX   XXXX , who was supposedly helping him on a resolution for his mortgage. This company was basically working also as a translator to all lender 's documents sent to his address.     The lender, unbeknownst to Mr.  XXXX , sold the property to a third party on   XXXX   XXXX   XXXX   MR.  XXXX  was told that the sale was postponed. He was trying to modify, but apparently the Lender and  XXXX   XXXX , were aware that Mr.  XXXX  had about {$150000.00}  Dollars  equity and foreclosed on him.     Mr.  XXXX , feels he was defrauded by both Lender by not notifying him IN SPANISH THE FORECLOSURE PROCEEDINGS. Mr.  XXXX  has not idea of the process, nor he agrees losing {$150000.00} dollars of his equity on this unknown process to him.     Mr  XXXX  also feels that the  XXXX   XXXX   XXXX  knew there was equity on his house and instead of proceeding with the Loan MOdification, they were trying to do a SHort Sale and buy the house for themselves.     Mr  XXXX  will file a lawsuit against the lender, but is asking, actually begging your office to contact the lender on his behalf and STOP THE PERFECTING OF THE FORECLOSURE SALE.      XXXX   XXXX  feels that if he knew the  XXXX  was not processing his modification, he should have been notified in  XXXX . He would have never allowed the lender to foreclose SPECIALLY HAVING {$150000.00} OF EQUITY.     The lender trustee is Law Offices of Les Zieve,  XXXX  Corporate Park  XXXX   XXXX   XXXX , CA  XXXX  Phone : (  XXXX  )  XXXX  TS number :  XXXX  Please contact us at  XXXX  at your earliest convenience.