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

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

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : 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 inaccurate.
Product: Mortgage

Hello, SLS Mortgage has raised our payment by {$370.00} during COVID19. We have repeatedly asked for escrow analysis since they have made a huge mistake. We have never missed a payment, the loan was sold 4 times, and somehow they claim we are {$6000.00} short yet our taxes, insurance have barely changed. 
We also requested that they remove escrow due to the mismanagement and lack of communication, and difficulty we have getting any help about our loan and getting escrow analyzed. 
They denied escrow removal because they said we had a late payment in XX/XX/2020, however we were on forebearance for one month and we were promised that no payments would be deemed late during COVID19 Forebearence. 
I have called 5 times XXXXnd I keep getting hung up on by agents who can not answer my questions. They say they do not see the record of us being on forebearance for COVID19 and therefore the payment was deemed late. I have it in writing.
Product: Credit reporting or other personal consumer reports

Disputed XXXX XXXX and the credit bureaus each replied back with valid however per the attachment however per the XXXX the vehicle isn't in my name and is title to another person, if any uncertainty exsist or doubt than the account isn't 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I mailed in dispute letters to XX/XX/XXXX, Transunion and XX/XX/XXXX Regarding inaccurate information and clear violations of the FCRA 1681 AND 1681b I never gave any of the companies listed above WRITTEN CONSENT to furnish any of the accounts or information I'm disputing. This situation as cause me a great amount of stress and is slowing down my process of getting a home. Its been over 45 days and i haven't gotten any results back.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One XXXX : This need to be removed from my credit report. I no longer owe this debt. This debt has been paid.
Product: Credit reporting or other personal consumer reports

I realized my personal information has been shared by all 3 credits XXXX  and early warning services. I sent them all leters about this is and have requested to opt out of all charge offs on my report. As well as the debt that has been sold to a 3rd party, which is also considered a charge off and a charge off is considered a certificate of indebtedness. A certificate of indebtedness is now income and its law that you can't report income on your credit report. Ihave read exactly my rights and what they can report without concent, per FCRB, 15 USC 1681, 1681 ( b ) and 16CFR 313.1- 313.7 My privacy has been illegally shared without my concent per15 USC 6508. My right to opt out of anything on my report falls under 15 USC 6802-6805.

As a Federally protected consumer. I am now Opting Out of any and all authorization I the consumer may have given, written or unwritten, verbal, or non-verbal per 15 USC 6802. AND I refer to 15 USC 1681 ( permisable purpose ) for all inqueries on my credit report. XXXX XXXX XXXX XXXX XXXX, is the financial institution that is connected to all my info being shared. Along with : XXXX XXXX XXXX, XXXX, TransUnion, & XXXX. Also I want to be compensated for my info getting out when XXXX had been hacked and allowed my private info to be used by XXXX only knows who. And they have been using it.I kn I w this to be facts indeed. 
Thanks A Damaged Consumer, just putting my life back together with your ( CFPB help )
Product: Debt collection

Whom It May Concern : I am sending this letter to you in response to a notice I received from you on ( XX/XX/2022 ). Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that vou are licensed to collect in my state : and Provide me with your license numbers and Registered Agent.

If your offices have reported invalidated information to any of the three major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following. 
Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character 50 Free Debt Validation Letter
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Investigation of Inaccurate Credit Reporting Dear CFPB Team, I am writing to request your assistance regarding inaccuracies on my credit report that pertain to a XXXX  XXXX bankruptcy., and I am not XXXX, as erroneously reported. This misinformation must be corrected, as it is affecting my creditworthiness. 

I have identified several entries that are inaccurate and should have been deleted, including accounts from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX and Inquiries that I have no credit for.These creditors previously promised to remove these inaccuatcies, yet they still appear on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies and ensure that my credit report reflects fair and accurate information. The FTC supports these consumer protections, emphasizing the need for precise reporting. Given that my name is incorrectly reported with XXXX attached is my Drivers Licence and Social security card, these accounts should have been deleted, I kindly request that you investigate this matter and facilitate the removal of all inaccurate information from my credit reports across all three bureaus. 

Thank you for your attention to this important issue. I look forward to your prompt response. 

Sincerely,
Product: Mortgage

I was just approached by a person claiming to be the new owner of my home and days ago I received an Unsigned letter from XXXX XXXX Offices letter stating that XXXX XXXX is the new owner and is recorded in the Reg of Deeds XXXX XXXX, XXXX  as such on XXXX. This man just moments ago, came to my door and told me that it is his business and that I will be served next week. This claiming of my home of XXXX yrs being XXXX yrs old and XXXX is seriously making me ill especially with my XXXX XXXX. I am also asking the CFPB please forward this complaint in its entirety to the FBI, IRS, XXXX for possible racketeering whereas XXXX XXXX is also involved with this XXXX XXXX and the XXXX XXXX XXXX and etc.. I am concerned for my physical safety and my home being compromised by these criminals. Please frwd this complaint as I have requested to the parties mentioned above before my life and home is in danger. I need this matter to be investigated for many possible crimes possibly violating XXXX act of 2001?? Please see received letter from XXXX XXXX, XXXX  and business card for supposed new owner. There is a reason that this is changing hands days apart please investigate and forward this as I have requested to those agencies for investigations. I feel my life and home is in danger.
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 Following accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights 15 USC 1681 section 602 A States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( a ) ( 5 ) sections states : No consumer reporting agency may make any consumer reporting 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 USC 1681 ( 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, credit repair services, or other personal consumer reports

Multiple unauthorized hard inquiries on my credit report within a couple months time. 

Transunion : - XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX is listed as XXXX XXXX, which is not correct.
Product: Credit card or prepaid card

In XXXX of XXXX, my wife and I moved to a new house in XXXX Ca. As a result, we used our XXXX from Synchrony Bank more than usual as well as another credit card from another bank. The purchases were for goods and services needed for the new home and would be in line with what one would expect in our situation. 
Synchrony started questioning our purchases by not allowing the purchase to be made, they were telling us the purchases were not customary and therefore may be fraudulent. After repeated calls to the bank and their fraud department to explain we had just moved and had purchases as a result, they still prevented us from using the card by blocking transactions we were trying to make. Fortunately, we do have another credit card from XXXX XXXX which allowed us to make the needed purchases. 
Please note, at no time were we late on any of our monthly payments, they were always paid in full each month and on time. We have had the card since XXXX and have only recently had troubles with the bank. 
When we contacted the bank, we were treated very rudely as if we had done something wrong. The bank then told us we needed to add a second layer of security by taking a picture of myself ( I am the main cardholder ) and adding it to their website via cell phone. Well, I do not have a cell phone and after several attempts using my wife 's and again contacting the bank for their help, it did not work. We have been waiting for the bank to come up with a solution but we have not heard from them since. In the meantime, the account has been put on hold so it can not be used and we have paid any open balances. The card currently has a zero balance. 
In XXXX, I received a letter from the bank stating the account will be closed due to two reasons : 1. A restriction placed on the account for suspected unauthorized use. 
Note : There has never been any unauthorized use of the card, the bank has never provided details of what they feel the unauthorized use was, nor has there ever been any dispute of charges made on the card. We have always paid the statement in full and on time.

2. Subsequent inactivity on this account. 
Note : The bank has placed the account on hold, we couldn't use the card if we wanted to! 
They provided a phone number in the letter they sent, but due to the unprofessional way in which we have been treated on the phone previously, I decided to write a letter instead. 
No, we have heard back from them.
Product: Debt collection

XXXX XXXX and Government Agency regarding my deceased mom Government funds continually deposited into my mother 's account after she passed away ( four years ago ). Government sent reclamation, bank has not returned the funds, money is in account and always has been. Government has deposited, withdrawn, and re-deposited funds continuously. I have been told it is my problem, not the government or the banks! I DO NOT HAVE THE FUNDS, the bank is holding them, why do n't they return them???? I have now been turned over to collections, the amount now due is up about XXXX to XXXX XXXX ( fees, interest etc. ) They have also turned this over to my credit history. I have been called and threatened with arrest, garnished wages etc. I DO NOT HAVE THE MONEY, NEVER DID, I AM NOT ON THE ACCOUNT, HOW IS THIS MY DEBT? There is no missing money, it is in the account which I have no access to. It is not really a debt since the bank has not returned it, how is this my debt? I must emphasize to you, the money is in her account, I ca n't get anyone to resolve this. I am now facing legal issues ( and expenses ) for a problem not mine, not created by my mother or myself. We have XXXX huge agencies who have failed to do their jobs and I am being harassed and threatened for money that has never moved except for the government taking it and putting it back. Who is responsible for these transactions, not me. Why has this gone so far and for so long, seriously, how is this even possible. Please help me to resolve this and to have my credit restored. I continue to be humiliated, defamation of character, embarrassment, threatened and the mental stress of this has gone beyond imaginable. Someone please resolve this, I do not know what else to do.
Product: Credit card

On XX/XX/XXXX  an email was received from Chase bank on my wife 's email stating thanks for applying for a Chase Sapphire Preferred card ( the application was under my name. ) I did not submit the application and neither did my wife. On XX/XX/XXXX  I called Chase at XXXX and was told there was no application under my name or SSN. I was transferred to the application team at XXXX who confirmed there were no active applications under my name or SSN. On XX/XX/XXXX  I called the Customer Protection Group at XXXX and was assured there were no applications under my name or SSN. On XX/XX/XXXX  I received a letter dated XXXX ( mail ) from Chase telling me they were unable to access my credit report and that I should contact XXXX to allow access. The letter refers to reference # XXXX. I called the Customer Protection Group at XXXX again and was told there were no applications under my name or SSN. I then called the number on the letter, XXXX, Chase Card Services and they confirmed there is an active application .They cancelled the application. I asked for the information that was submitted on the application and was told they can not provide it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft I have recently have information to believe that my identity has been compromised I was recently engaged to someone who has access to my personal information and have reasons to believe accounts where open or have been maintained without my consent or prior knowledge
Product: Credit card

My XXXX child managed to receive PayPal credit exceeding {$800.00}.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute inaccurate personal information that is being reported on my credit report by your agency. Upon reviewing my credit report, I have identified discrepancies in the personal information section that require immediate attention and correction. 
The inaccurate information is as follows : incorrect name and addresses. 
I hereby request that you investigate and correct the inaccuracies in my personal information as soon as possible. It is imperative that the information on my credit report is accurate and up-to-date to ensure fair and accurate assessment of my creditworthiness.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX  XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - DATE OPENED XXXX/XXXX/2018
Product: Vehicle loan or lease

I purchased a car during the summer of 2019. I took a loan on the car from Hyundai Motor Finance and then paid my car off in full. Before doing so, I ensured they had updated my information in their system to my new address. They decided to send the new title to the old address anyways and I never received it. 

Since then, I have asked for a duplicate title and/or a lien of release. I have called and made this request multiple times over the past 6 months, they always claim to send it out, and it never arrives. My car registration recently expired, and now I ca n't drive it since I can't register it without my title. This means I am experiencing actual damages from the company 's inability to fulfill its final step of the contract. 

I filed a previous CFPB complaint on this matter, but it was closed after their response. They promised to send it via courier ( for a signature ) ASAP, but it still hasn't arrived, nearly a month later. Hyundai Motor Finance is not fulfilling their contract and I desperately need help.
Product: Mortgage

On    XXXX   XXXX   2017..   XXXX  from the homeownership center and I, called Ocwen to check the status of the modification that we 've been working with them sinc e   XX/XX/XXXX .   At thi s point we were told that the modification was under review, and that no other paper work was required. Then upon my arrival home from my meeting with  XXXX , I received a notice from Ocwen that my documents were expired and needed to be resubmitted because they are more than 90 days old.. Ok.. We submitted these documents to Ocwen less than a month ago.. And this is not the first time that my packets have expired that was submitted them.. This has cause incredible stress on me and my family.. When this started we were only two months behind and now we are more than 6 months behind. I was never offfered an option for a repayment. I was told that I would have to apply for a mortgage modification. This has been an utter nightmare dealing with  Ocwen  ...
Product: Credit card

American Express is wrongfully billing me for a charge from XXXX where the merchant failed to prove I ever purchased the item and or delivered the item. I have done business with the merchant before but this particular charge is fraud because no items or services have been granted because of this. The charge amount is XXXX of which only XXXX was credited back to me, in which case Amex is stealing XXXX. I have documentation that I never received any credit back for this charge which I have not received any merchandise for, yet Amex refuses to remove this charge from my account. 
Not only that Amex consistently, disobeys the law and refuses to dispute this charge for me Amex is stealing {$8200.00} from me and no one is stopping them. Amex must be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've called Experian at least 4 times in 3 days. XXXX hour holds and then hang up. No one picks up the phone. I 've ordered to review my credit report. The first 2 days they showed all three scores great ; however within my 14 day trial I have not been able to review anything other than the experien score. I tried calling no response so I tried cancelling and still no response. This is my last resort. I 'm still in the trial period so they should not charge me anything extra.
Product: Credit reporting or other personal consumer reports

I noticed the first week of XX/XX/year> I had two hard inquiries ran on my credit report, one for a personal loan ( One Main ) and the other for a car loan ( XXXX XXXX ). I contacted both ; XXXX from XXXX XXXX said they did not run my credit, and a women from One Main sent me a document to file out so she could have it removed. I did, I filed out the document and sent it back. Unfortunately both are still showing on my credit report. I filed many disputes with the three credit bureau 's who were supposed to contact the companies but they did not. They, within 24 hours, send me a report saying the inquiries were factual, when they're not. I spoke again with XXXX XXXX XXXX XXXX  and he said he is willing to have them removed, even tried calling the credit bureaus but it's all automotive and they wanted my personal information which he does not have. I called the XXXX XXXX XXXX  and was told to file a report with the FTC. So here I am filing a report.