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

In XX/XX/XXXX I attempted to make a payment to Newrez my mortgage servicer. The payment was allegedly return for a consolidated funds. Then in XXXX new, Rez reported my mortgage 30 days delinquent. Upon discovering this on my credit report in XX/XX/XXXX I disputed it with Newrez. I sent them proof I had sufficient funds and that my bank has no record of any ACH transactions from Newrez in the month of XX/XX/XXXX. They responded in XXXX. The response said there was insufficient evidence to prove that my payment wasnt a banking error. So I resubmitted the exact same dispute in XXXX with the same information that being bank statement showing I had sufficient funds and proof that I attempted to pay the payment on time. Than 30 days later, they responded, asking for more time due to the difficulty of this investigation. I have yet to receive any information if theyre gon na remove this from my credit report and it has been over 90 days since the initial dispute. As well can not speak to anybody in the credit reporting department only can speak to customer service representatives and they cant speak to anybody that department as well. The light payment is causing financial for tripping my life due to not be able to move for a new job so now I am forced to commute.
Product: Debt collection

The third-party debt collector Midland Credit Management is unlawfully in possession of my private non-public information and sharing it with other 3rd party companies without my consent, which is identity theft as defined by 15 USC 1681a ( q ) ( 3 ). I do not know XXXX XXXX, XXXX, and have not contracted with them in any way. They should not have possession of my private non-public information. They also shouldn't be sharing it unlawfully.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account XXXX, has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I t also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This first progress credit card account on my Experian report was closed at my request on XX/XX/2015 with a XXXX balance. 3 months later the card company posts this account as closed at consumer request but shows a balance due. In 5years not once has this company sent me a statement showing the origin of this new charge. Ive requested through Experian in writing to inform the company to send me a summary of the charge since the contact information on Experians site is where I send my request in writing and I get no response. No phone contact is listed
Product: Checking or savings account

I have been trying to close my bank accounts listed thru telecheck for the XXXX XXXX XXXX XXXX. The casino tells me they can not just close these accounts and told me to close thru their 3rd party Telecheck. I can not get them to simply close these accounts off The XXXX XXXX check cashing system. Please help me have any and all financial institutions removed from Telecheck.
Product: Credit card

When I used my American Express " Bluebird '' card at a gas pump I used my old zip code ( we just moved ) and the pump declined the transaction. Yet it put a hold on all of the funds on my card. When I called the company they will not release it for 8 days. I went to the owner of the gas station and they are large enough that they told me that they automatically released the hold to American Express. I got the Amex rep on the phone with the vendor who told Amex they would fax a release. Amex would not release my funds. I am denied access to my money for eight days and my transaction was declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 reporting, credit repair services, or other personal consumer reports

I had a Best Buy Credit Services card from the creditor Citibank. Best Buy arbitrarily closed my account without asking my consent, and without giving a chance to remedy, on the basis of my race and gender identity after initially requesting a credit increase. As soon as I reached out to Best Buy they cancelled everything having to do with my account and even blocked me from making purchases online while logged in ( requiring me to open a new account ). All purchases were instantly denied regardless of payment method used even though there had never been any issues prior. After the account closure I went to XXXX XXXX XXXX and enrolled my best buy account into XXXX XXXX managed payment services which negotiated a lower interest rate and makes all payments for me. They have never missed a payment and best buy has been paid consistently. In spite of this, they continue to report every month as more progressively late now showing 90 day late even though they have been paid promptly. Attempts to resolve this have been met with profanity.
Product: Credit reporting or other personal consumer reports

What happened? 

I am filing this complaint because XXXX continues to report XXXX student loan accounts on my credit report without my explicit consent. Despite my requests to have this information removed, they have refused to comply. This unauthorized reporting is negatively impacting my XXXX XXXX and overall credit report. 

Relevant USC Codes : 1. 15 U.S. Code 1681b - Permissible purposes of consumer reports - Specifies the circumstances under which a consumer reporting agency may furnish a consumer report, including the requirement that such reports must be furnished for permissible purposes and with the consumer 's explicit consent.

2. 15 U.S. Code 1681m - Requirements on users of consumer reports- Mandates that users of consumer reports, such as XXXX, must provide notice to the consumer when an adverse action is taken based on information in the report. This includes providing specific reasons for the denial and the right to obtain a free copy of the report used. 

3. 15 U.S. Code 1611- Civil liability for willful noncompliance - Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer for actual damages sustained by the consumer or statutory damages.

4. 12 CFR 1002 - Regulation B - Implements the Equal Credit Opportunity Act and requires creditors to provide notice of the adverse action, including the specific reasons for the denial. This ensures transparency and allows the applicant to understand and potentially address the reasons for denial. 

5. 20 U.S. Code 1232g - Family Educational Rights and Privacy Act ( FERPA ) - Protects the privacy of student education records. This law limits the disclosure of such records without the student 's consent.

6. 15 U.S. Code 1691 - Equal Credit Opportunity Act ( ECOA ) - Prohibits creditors from discriminating against any applicant with respect to any aspect of a credit transaction based on race, color, religion, national origin, sex, marital status, or age. It ensures that all applicants are treated fairly and that decisions are made based on consistent criteria.

7. 15 U.S. Code 1691a - Definitions and rules of construction - Defines key terms and sets forth rules for interpreting the ECOA, ensuring that the rights and protections afforded to applicants are upheld.

8. 15 U.S. Code 1602 - Definitions and rules of construction ( Truth in Lending Act - TILA ) - Provides definitions and rules for how the Act should be interpreted, including terms like " creditor '' and " credit sale, '' ensuring that all credit transactions are conducted fairly and transparently.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I have issue with U.S. Bank I been charged more than one fee for a single overdraft. 
XXXX XXXX they returned the fee but by that time they took the fee and made my business account to go un paid . U.S Bank turn around and charge my account again for the same transaction, this cause my business account to lose vendors. On XXXX I deposit {$100.00} all these overdrafts took my account over again then U.S. Bank put another overdrafts back to back XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX these charges of {$36.00} each has cause my account to continue overdraft
Product: Credit reporting

I have XXXX accounts on my credit report XXXX mixed file and XXXX fraud account XXXX bankruptcy mixed file XXXX XXXX XXXX marking fraud account
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.

1 ) Account number : XXXX Date opened : XX/XX/XXXX XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX DEPT OF ED US DEPARTMENT OF E XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX DEPT OF ED US DEPARTMENT OF E XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX these accounts have 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: Debt collection

Had a credit check and found out there are XXXX accounts that should not be on there.XXXX are from XXXX, 1 they have no record of, 2 is for a address i have never lived at and the 3rd is from a doctors office that should have sent it to my insurance company but didnt.What is the fastest way i can get these taken off, XXXX said it will take XXXX45 days, even after comcast got ahold of them.Does it really take that long?
Product: Payday loan, title loan, or personal loan

CHECK # XXXX ISSUED FROM XXXX  XXXX XXXX  UNDER MY NAME CLEARED ON XX/XX/2019.YET THE PAYMENT HAS YET TO BE POSTED ON MY ACCOUNT IN A TIMELY EXPEDITIOUS MANNER, LENDING CLUB GOT THE MONEY BUT HAS NOT CREDITED MY ACCOUNT.
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>XXXX XXXX XXXX  XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

received a call from XXXX XXXX XXXX XXXX XXXX. After they had been advised not to call my cell number in regards to a debt that was included in a bankruptcy from a XXXX in 2014. They call 7 times from this number then 4 blocked calls then 3 unknown until I picked up. Then they proceeded to threaten me with arrest call be a XXXX XXXX XXXXr XXXX and tell me they were issuing an arrest warrant since I was a XXXX XXXX XXXXXXXX. 14 calls and verbal abuse and threats after I told them not to call the cell.
Product: Mortgage

Ocwen Loan Servicing foreclosed on our home XX/XX/XXXX ( this was ratified by the courts the following month ). Since that date we have been working toward repairing our credit, in order to once again have the opportunity to participate in home ownership. We have put ourselves in a position to be pre-approved for a VA loan, but have been denied, because we are still the owner of record for the home they currently own ( XXXX ). We reached out ( by letter ) to their research department in XX/XX/XXXX and received a response dated XX/XX/XXXX. The response said they are looking into our problem and would get back to us within 30 days. We received a second letter dated XX/XX/XXXX, which confirmed what we told them and said that they are in the process of obtaining the deed. Once the deed is recorded they will send us a copy. We waited over two and a half months for resolution, before attempting to find out what progress has been made. We called them on XX/XX/XXXX and they had no answers, but asked us to call them back the following week. We called, once again on XX/XX/XXXX and this time they had an answer. They told us, there was an open water bill that they needed to take care of before they could move forward with the recordation. We were not happy with the " EXCUSE '' and asked to have this elevated. They gave us another number to call, which we called on XXXX/XXXX/XXXX. We explained the problem, once again and was told that they would take care of the problem and we should receive a call back by the end of the week or early the following week ( XX/XX/XXXX-XX/XX/XXXX ). We waited, did not hear anything, so we called them back on the XX/XX/XXXX and they said nothing has changed. They assured me that if they do n't have it resolved by the first of next week ( XX/XX/XXXX-XX/XX/XXXX ), it would be elevated to another level. 
We are at our wits end! Please let us know, if there is anything further we can do to get this resolved. It appears, as if, they have no desire to resolve this issue. If you ask us, this should be illegal, if not criminal to hold folks hostage!!
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXX regarding Erroneous Credit Reporting, Student loan discharge, Compensation Request and Failure to Issue 1099-C. 
I am filing this formal complaint regarding longstanding issues with XXXX and the previous reporting of a now discharged student loan. Below are the details of my concerns : 1 ) Inaccurate Credit Reporting for 17 years ___________________________ This XXXX student loan in question has been inaccurately reported on my credit report since XX/XX/XXXX ; Despite Identity Theft Report, several Complaints with XXXX and credit agencies that always came back VERIFIED as the Credit Agencies continuously Parrot off of XXXX  without proper investigation. 

XXXX ) Loan Discharged letter XX/XX/XXXX ___________________________ A complaint was filed with the CFPB XX/XX/XXXX regarding XXXX and the Credit Agencies, The Federal Student Aid as OFFICE of the U.S. Department of Education ; " DISCHARGED '' this loan and as of XX/XX/XXXX the Credit Reporting Agencies XXXX XXXX, EQUIFAX XXXX XXXX REMOVED this loan off of my credit report. In addition, XXXX sent me a letter XX/XX/XXXX stating my loan was DISCHARGED. 

XXXX ) Request for Compensation and Issuance of XXXX form for DEBT CANCELATION for tax purposes. 
___________________________ I am requesting compensation from XXXX in the amount of {$5000.00} to be deposited into checking acct # XXXX, immediately for financial and emotional distress caused by XXXX inaccurate reporting for the past 17 years, even though it exceeded the XXXX - year reporting period allowed under the Fair Credit Reporting Act ( FCRA ) Per 15 U.S.C. 1681c ( a ). 
I also request that XXXX issue a XXXX : Debt Discharge for this XXXX TAX YEAR ; therefore I can fulfill my tax obligations according to the IRS. Please forward this form XXXX ( DEBT CANCELATION Form ) promptly to : XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX 

ATTACHMENTS ___________________________ XXXX ) Documents showing loan discharge XX/XX/XXXX XXXX ) Credit reports showing the loan extended reporting period XXXX ) Multiple disputes has been filed throughout the years, with no resolution, and this inaccurate information was verified without reasonable investigation. 

I request the CFPB 's assistance in resolving this imperative matter promptly. 

Sincerely, XXXX XXXX XXXX ______________________ XXXX XXXX ALL RIGHTS RESERVED
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. 

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  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

This is my OTHEr request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$15000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ) Balance : {$360.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$340.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX Inquiry XXXX XXXX XXXXXXXX XXXX
Product: Mortgage

I have a home loan with caliber, they offered a refinance to a better rate for a 20 year loan with with a rate of 3.75 % and a total closing cost of XXXX. This was started in XXXX, documents were signed then no communication until XXXX when I got new paperwork showing my loan went up to 4 % with closing cost of over XXXX. multiple attempts of communication with the company with no response. today I finally spoke with someone who said it was human error and he can not honor the original documents as it was to much of a loss of the company, all of this after i have paid the XXXX in appraisal fees.
Product: Student loan

Autopayment pulled additional money after paying off loan. I requested a refund but they are telling me they can't provide any information or timeline when I requested it via, phone call, chat and email.
Product: Debt collection

The calls go right to voicemail and give no name or what the debt is for. They call more than 7 times in 7days in fact at one point it was 12 times in 7 days. But I never get the call and I can not attempt to contact them back. I will copy the transcribed voicemail here for you to see why this has become rather stressful and disruptive to myself and my family. 
This message is for business name, XXXX This is Sequim asset solutions calling regarding your spectrum account. Please call us back at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX  to XXXX XXXX XXXX XXXX XXXX XXXX XXXX thank you. but the actual message is a recording and says this message it for name XXXX XXXX XXXX. Its to the point it's disrupting the flow of my day and caused me to avoid answering my phone at all causing additional issues in my life.