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

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SS # ENDING IN XXXX
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 Number : XXXX Account Name : XXXX XXXX  Account Number : 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, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX CT # 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
Product: Credit reporting or other personal consumer reports

key bank, is report different information on all 3 credit bureaus. it show, closed here, charge off here, paid here. According to the FCRA information should be 100 % accurate and 100 % verifiable i uploaded the information from all three-credit company According with the Fair Credit Reporting Act, everything has to be 100 % accurate on my report and Under 15 U.S. Code 181e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 % accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an investigation request to the credit bureaus back on XX/XX/XXXX. Over thirty days have past, and I have not received the results yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by my bank XXXX XXXX that an account was opened with my information at Bank of America on XX/XX/21. I did not open this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICITM OF AN IDENTITY THEFT, PLEASE SEE THE ATTACHED IDENTITY THEFT COMPLETED AND VERIFIED BY ME. SOMEONE STOLE MY INFORMATION AND OPENED A FRAUDULENT ACCOUNT, THE CHARGES ARE FRAUDULENT, AS WELL AS THE ACCOUNT. SOMEONE STOLE MY INFORMATION AND PRETENDED TO BE. PLEASE MY REQUEST TO YOU IS TO HAVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. THANK YOU
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
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: Debt collection

I recently received something in the mail saying that I owed XXXX for a capital one credit that I never knew existed. My concern is not only the fact that this debt does not belong to me and is clearly fraudulent but the simple fact that the first form of communication received concerning its existence was in the form of a court order. This is not the appropriate way to handle a collections case in the state of Virginia. To further argue the validity of this debt, I must call attention to the fact that this debt is made out to a name that I have legally not used since XX/XX/2016. I lived in a shared living space during the time that the creditor alleges I incurred this debt which further questions it's legitimacy. Below, you will find a picture of my identification that outlines my legal name as proof. I demand valid proof that I, XXXX XXXX XXXX XXXX, approved the opening of this line of credit or it is removed from my credit report and no further collection action is taken. I'd like to call attention to the fact that this credit is only showing up as closed on 2 of my credit reports and both show a different close date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 
The Initial dispute was sent on XX/XX/2020 while the 30 Day demand to comply was sent on XX/XX/2020.
Product: Mortgage

My escrow deduction per month was extremely high. I contacted the mortgage company several times to have the escrow account audited. This was finally done in XXXX of 2023 and a letter was sent to me XX/XX/XXXX with the result of the audit. It was found that they had calculated our monthly escrow deposit wrong and that i was due a XXXX refund and the escrow amount per month was reduced. 

I have contacted the mortgage company no less than XXXX times and am being told that they will send check... .over and over again with no check being sent. 

When i have asked when they keep telling me it will be another 30 days. Reading online it appears that federal guidelines give the company XXXX to make the refund. We are 3 months past that.
Product: Vehicle loan or lease

On XX/XX/XXXX I bought a car at XXXX XXXX Dealer, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With VIN : XXXX, finance by Ally Financial for the amount {$30000.00} for a period of 72 months payment {$52000.00} per month. Unfortunately, The car is defective. The car suffered from a hidden defect was discovered the next day XX/XX/XXXX. I quickly noticed the failure. I am disappointed because after running on XXXX at XXXX XXXX, I received a noice XXXX XXXX XXXX. theres something rubbing inside the steering wheel that spreads all the way the wheel whe I am running on Highway. To resolve the problem, I returned at XXXX XXXX XXXX on Sunday XX/XX/XXXX. I would like for you to replace the car with a new one thats not defective.I negotiated for another car but the dealer refused. The dealer told me to go to a XXXX XXXX House to fix the problem. On Monday XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX Ones given to me an appointment in a month. I called the dealer on phone to tell them the appointment is for XXXX month. I look forward to your reply and a resolution to my problem, and will wait until XX/XX/XXXX, XXXX car was returned to the XXXX on XX/XX/XXXX, the dealer refused to return the plate to XXXX. I canceled the insurance ( XXXX ) and I called Ally Financial to make aware the car has been returned. In a letter dated XX/XX/XXXX, Ally Financial has the vehicle. The car has been sold on XX/XX/XXXX by Ally Financial. In my credit report Ally Financial reported balance {$310000.00}. I am writing to complaint for XXXX car dealer and Ally Financial for the wrongs they caused me. I sent you all documents that the request will be processed.
Product: Money transfer, virtual currency, or money service

Western Union told me the exchange rate at the time of the transaction was XXXX US Dollars to Euros. Then after the transaction they changed the rate to XXXX. How is this blatant bait and switch still legal in XXXX? How can there not be a law against this? I have proof, I took a photo at the time of the transaction to send to my friend to whom I was trying to send the money.
Product: Debt collection

i received a letter with no return address, addressed to my estate. the letter read that I was deceased and my estate information needed to be turned over to them to handle my bills. I called the XXXX number listed on the letter and a man answered. I gave him the reference number on the letter, told him i was not deceased and what was the letter regarding. the gentleman kept repeating his name and that all calls were monitored and proceeded to ask my personal information. i gave him the reference number again and asked him to identify whom he was representing before i gave any additional information. he continued to stammer and did not tell me anything outside of his name. I told him that this was a tactic to collect a debt and to open contact with me as by then i had gone through my cell phone call log and found the exact number called me 82 times in one week, but it was blocked per my request from my cell provider. I told him to refer me to a supervisor or someone who could tell me what was going on and why they use such a morbid tactic to gain my information. he said i could not and i hung up and called again. The next agent did not identify herself, simply answering " hello? '' I explained the situation and she asked for my information again. i refused and asked her to identify herself or transfer me to her superior, she refused. i gave her the reference number and she said she would remove my name from their list. I asked her what list and informed her that if she is acting as a debt collector, she has to tell me who the debt originated from. she refused and i ended the conversation. This company sent me a letter saying i was deceased and to turn over my financial information, never did they say who the original creditor was or the amount of the debt. This was an attempt to gain my information as means to collect a debt which they never identified.This company called me XXXX times over the course of a week, if they were under the presumption i was dead, why bother? the company name is Philips, Cohen and Associates XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX ( XXXX ) XXXX reference # XXXX
Product: Mortgage

I filled out a contact form two times and never received a response from my loan company. I would like to find out when my Yearly Escrow Analysis is. I just had to pay two supplemental tax payments for around 2300 each. I would like to know when I would be receiving my escrow over payment. The company is called Loancare. I 've read hundreds of reviews about Loancare and they are all horrible, they all say the company never responds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX is reporting inaccurate Exempt amount numbers and liability amount on my credit file it does not match my records. all companies have responded that the investigation has been completed. however i believe that no REASONABLE and PROPER investigation has occurred due to these violations. 

Furthermore, the companies failed to mark the account as disputed violating 623 ( a ) ( b ) these companies continuously has failed to validate this account further violating FDCPA 809b
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( XXXX ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the XXXX credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I mailed letters stating that these companies are in violations of code 15 USC 1681- Permissible Purpose.

15 USC 1666B- Timing of Payment 15 USC 1637B- Statement required with each billing cycle.

15 USC 1681 i- of this title state " report containing solely as to transaction or experience between the consumer an the furnisher making the report '' an a late payment is considered a transaction.

It has been over 45 days an i have not got a response back.
Product: Checking or savings account

On XX/XX/2020 we my wife received a welcome letter from Bank of America thanking her for opening both a savings account and checking account with them. She didn't do either. We received the letter on Monday XX/XX/XXXX, we immediately visited the closest BofA branch on Tuesday the XX/XX/XXXX. We talked to a banker who called the BofA Fraud department who only said they would look into it. The banker told us the only way to open an accout was to walk in to a branch with ID and Soc Sec number or valid ID. 

On XX/XX/XXXX we received a letter stating " We've completed our research on your claim listed above and determined you are not the person responsible for opening the account '' " At this time we consider your inquiry resolved and no further action is needed. '' This is not acceptable we want to file a police report with the copies of the ID used and or email address used. We met with the manager of the branch today and she contradicted the banker saying someone could in fact open up an account on line. We need to know how it was opened and what ID 's they used to open it. 

I have called the Bank of America Check Fraud department and they refuse to give us any information saying it would have to be subpoenaed. This is all wrong
Product: Debt collection

Southwest Credit systems reported a collection account on my credit report for {$730.00}. The original creditor is reported as XXXX XXXX. I was not aware of this account. This is fraudulent account. This may be linked to another fraudulent account opened under my name with XXXX as a result of identity theft.
Product: Debt collection

I was fraudulently charged a service fee for XXXX for my restaurant business. I never agreed to sign up or be charged. The rep from the company spoke to the front cashier who has no ownership and told them to sign up. They called me and I said do not sign up for anything. The rep still signed us up and sent my restaurant a bill. The rep does n't have my name on the bill but part time workers who he spoke to and has the business name wrong. I called XXXX and they said the employees agreed so I have to pay. Now it is with a collection agency who sent the letter to XXXX of my employees saying they would be seizing bank accounts. Rauch Milliken International is the collection agency. I spoke to them and explained to them what happened. They do not know who I am or the correct business name, but they are sending it to a lawyer to seize assets. Their phone number is XXXX ext XXXX.
Product: Mortgage

My loan is serviced by Newrez. I have been requesting help processing a large principal payment and getting the loan recast for almost XXXX weeks now. On XX/XX/year> I spoke with XXXX XXXX who told me she would send me a form ( both email and XXXX mail ) which I would return with my principal payment and a {$250.00} recast fee. Then I would get correspondence indicating my new payment. 

On XX/XX/year> I called again and spoke with XXXX who told me the request has been assigned and that I should have the forms shortly. 

On XX/XX/year> I called again and spoke with XXXX who told me that the request was never put in and there was no way to expedite the request. 

I asked for a supervisor and spoke with XXXX XXXX XXXX She told me that the request did not get submitted because I was not yet eligible because I had to be with Newrez for 60 days, that I am now eligible and she would submit the request. She said it would take XXXX days and she could ask that the request be expedited but it was not up to her. 

I told her that my original request was on XX/XX/year> and that was more than 60 days since the date of the letter from Newrez ( XX/XX/year> ) stating that they would be taking over servicing my loan. So her reasoning that my request did not get submitted is not substantiated. I told her that I have already been waiting almost XXXX weeks and asked again about expediting my request and was once again told that she could only request that it be expedited, that it would be up to another department.
Product: Debt collection

XXXX XXXX XXXX try to illegally contact me at my moms property and officer was told on camera when Im being represented with an private attorney that i was already in an ongoing law suit with this creditor for my credit report actions and hardships i had to endure, i was then hit with a law suit to she summons in person when i told the officer i was already being represented by an attorney These people violated the state Arizona law for fdcpa regulations on approaching a debt collection thats been sold to a third party they also threatened to garnish private wages and thats also highly illegal for third party collection agency in Arizona i need this legally dissolved or they need to settle with me any way i can pay a settlement but no more then a couple XXXX due to health expenses
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act, XXXX by Goldman Sachs # XXXX has violated my rights. 

15 USC 1681 Section 602 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Inquiry on XXXX from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on XXXX from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on XXXX from EQUIFAX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on XXXX from XXXXXXXX XXXX XXXX  XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on XXXX from XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on XXXX from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on equifax from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on equifax from XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on equifax from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on equifax from EQUIFAX MORTGAGE SOL on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Product: Mortgage

Mr. Cooper continues to decline my retention request, even though I can afford the current payment and would like to stay in my home. 
In addition, Mr. Cooper used the incorrect property valuation and refused to review my income, all factors in their denial of my request.
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 XXXX  Account Number: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.