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

I am aggrieved and damaged due to the fact it is well over 90 days since I have notified EXPERIAN to please investigate my credit report. On XX/XX/2022 I also called and spoke with Experian Reps XXXX and her supervisor XXXX ; Both representatives treated me very unprofessional and did not know regulation nor laws.What made things worst is they both did not listen to my concerns, and were clueless to the Fair Credit Reporting act. CFPB please note Experian has violated my consumer rights more than once by UPDATING these accounts without verified proof, no contract, nor confirmation of the man or woman that alleges XXXX accounts belong to me. There was no thorough investigation and EXPERIAN has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. All XXXX  accounts and accounts having # XXXX is violating 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 an 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

To whom this may Concern, I am writing in to file a formal complaint against XXXX XXXX XXXX. 
Amount : {$2900.00} Delinquency first reported : XX/XX/XXXX Debt buyer account This debt collections adjuster did not send me notification of alleged debt and when I researched who the collection could be for, I do know that this debt has exceeded the statue of limitations for the following states : Georgia, Kansas & Virginia. 

I also sent a debt verification request via certified mail requesting that they verify the debt on XX/XX/XXXX asking the debt collector to please send me a response within 15-30 business days. I have yet to receive a response. The Debt collector did how ever close the account on my credit profiles marking it paid off, however, that was not my request because I did not a will not pay them anything for an entry that should not have been placed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

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



1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please ensure that all information is accurate
Product: Mortgage

I have auto payment scheduled where my bank is paying my mortgage payment to BSI Financial Services. Payment is due on the first of the month so my bank cuts the check a week before its due, dates on the first of the month. Received mortgage statement today stating I missed XXXX payment with {$80.00} late fee charge. I contacted my bank which said check was mailed on XX/XX/23 but BSI cashed it on XX/XX/23 which is out of courtesy time ( 2 weeks ). Called BSI and asked to have late fee reversed which I was not promised that it will actually happen. Agent did say that BSI was having problems with getting their mail!! How is that OK to charge late fees to customers when it was their issue and problem. Also why did they not contact us regarding not receiving payment? This is such a bad scam and terrible customer service, charging customers for their issues!!! Ive lost all my trust to BSI and wish we could change mortgage company!
Product: Mortgage

Penny Mac continues to change my payment. I have always paid on time. I would like to remove my escrow account and pay on my own. My understanding is after 12 consecutive on time payments the account can be waived and removed. they refused to answer my questions and remove the account. Please look into this and get back to me
Product: Credit reporting or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX and regional acceptance tan my credit. I was on XXXX XXXX thinking about refinancing and I never submitted my application after a refinance company reached out to me and I told them I wasnt ready to do anything that I didnt want to have my credit ran and they did it anyway I would like to dispute this
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six attempts to tell you that I am a victim of identity theft and I complain some inaccurate records and I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. No one seems to care, please delete the inaccurate information in my credit record that came about due to an alleged fraud. The following inaccurate information needs to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

XXXX XXXX never inform me by mail or by phone that my payment was return my payment was due the XXXX my statement date was XXXX the XXXX and my payment was return the XXXX of XXXX they never notified me by phone call or my mail and the dashboard wasnt showing me that I have any payment due until the the XXXX when my statement was already close and now I have a delinquent on my report that I have a miss payment that ruin my credit worthiness and damage my mood of living the payment was return it wasnt my fault they should have notified me that my payment was return so they need to update my payment history or remove the Miss payment because I did make a payment they never let me know my payment was return
Product: Checking or savings account

My access to Citibank checking account stopped working on XX/XX/XXXX. I called to know the status and they mentioned, it has been referred to closure and a letter will be sent to me in 60 days. 

My salary and all bill payments happens through the account and have about {$35000.00} in the account which I need to pay outstanding bills. They said it will be sent via check in 60 days. 

I asked them to expedite access to funds as I will be late to pay my bills, but they had no response to the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020
Product: Debt or credit management

In the month of XX/XX/2023, I contacted you regarding wrongful actions against my checking account with XXXX XXXX, by Cavalry SPV I and II. Calvary, in a round about way agreed that they were wrongfully collecting and keeping withholding from my bank account. They promised to release all with holdings back into my account, but did not give a specified date for the action. As of today, no monies have been returned. Also, Cavalry continues to collect with holdings from this account, even after admitting to wrongful with holdings from my bank account. *I have the bank statements to support what has been withheld, when and by whom.

I asked that Cavalry ( and all others involved ) cease collections from this account, however none have done so. I have heard nothing from Cavalry, nor XXXX and XXXX, nor from the courts. XXXX XXXX  did send me a copy of the writ of garnishment. 

*I have attached the latest transaction.
Product: Vehicle loan or lease

In XXXX, I contacted a loan company by the name of XXXX XXXX XXXX to help me buy my car. I gave all my information and they fumbled the paperwork. Lease ended and they encouraged me to get new lease buyout packages. I kept sending paperwork, and the leasing company took my car. I finally get a loan company XXXX XXXX XXXX XXXX ) to give me the money to buy it out. But said I had to get a purchase order from dealership. 

When I go to dealership, they wont release purchase order because they have to check the car first. I cant get the car checked because the car is in a repo towing yard nearby. 

I call leasing company to release car for me to buy it properly and they refuse to until I pay it off. 

So i essence Im stuck because theyre all putting roadblocks with each other for me.
Product: Debt collection

On XXXX/XXXX/2015, a collection company named National Credit called my landlord trying to locate me concerning a debt claim. The debt in question is from an old XXXX XXXX account which is currently being disputed. The caller did not announce they where a debt collector and pretended to be a potential employer trying to gain information concerning my address/employment. I am unable to work due XXXX within the last three years. The constant harassment from this company is extremely stressful and totally unnecessary. On a previous occasion, this company told me to sell my belongings in order to pay this debt when I told them I had recently had XXXX and was unable to work.
Product: Debt collection

I am  XXXX   XXXX   XXXX . This collection agency has put  XXXX   XXXX  and  XXXX  dollar charges into collections under  XXXX  different accounts. The first time I ever checked my credit report, I see  XXXX   XXXX  and  XXXX  dollar charges. I have never received a bill from a medical facility. If at any point I did owe, it would be under my parents. The time that this collection agency got the account I was just  XXXX . In order for anything to go into collections, it had to be delinquent for some time. I could n't have delinquency as a minor. I have never received a bill, a call, email nothing. I am requesting assistance in getting this removed from my credit file and having this company disciplined for erroneously reporting collections on my credit file.
Product: Credit reporting or other personal consumer reports

In my XXXX XXXX account my transunion and XXXX score went down because it says i missed payments with my student loan with XXXX XXXX, I never went to school here in the XXXX and never used a student loan at all, not even when I was in XXXX, where I did a fe months of school I never used student loans at all.
Product: Mortgage

Called NewRez/Shellpoint Mortgage Servicing customer service to see if there was ability to waive NSF fee after paying my missed mortgage payment ( no ability to pay the NSF fee XXXX time of payment ) Reached out to NewRez/Shellpoint Mortgage Servicing customer service via chat to report issue of not being able to pay fee through online management of my loan account via a XXXX time payment. Service agent only wanted my authorization to process payment from my linked personal backing account.
Product: Mortgage

I originally got a 30 year loan from XXXX XXXX XXXX on my home in XX/XX/XXXX. I refinanced several times, always through the same bank. When XXXX XXXX was bought out, they sold the loan to Citigroup mortgage. The last time I had refinanced was in XX/XX/XXXX. That loan as well as all the previous loans had a provision stating there was no penalty for prepayment and that any funds paid in addition to the monthly payment would be applied to the principal. Citigroup told me they sold the loan in XXXX XXXX. In an attempt to get more information about who they sold it to ( since the new lender has never sent me a bill or any information about who they were or where to send my payments ) I downloaded information from citigroup regarding my payment history. Citigroup has not used any excess funds to pay the principle. I did not agree to that change in the contract. That was a unilateral change by Citigroup after they were assigned the contract. If citigroup did it to me, I 'm sure they have done it to others. I am positive that my excess payments were to be applied to the principal because that was something I always made certain of with the bank and would check the contract. I never signed anything with citigroup. I had no choice in the assignment. Actually, I do not know if the loan was assigned to citigroup or if they were just servicing the loan, but either way their unilateral change in the contract seems to me to be a breach. And they did it without any notification or opportunity to change or refinance, etc. They appear to just hold the extra funds in some account that does n't credit my account or pay me any interest. They just keep the funds.
Product: Debt collection

On XX/XX/XXXX a fax was sent to XXXX, XXXX in regards to validation of a {$990.00} debt that I supposedly owe to them. The company did not respond to my request. A second fax was sent to XXXX, XXXX again on XX/XX/XXXX demanding validation of the debt. I have still not been contacted by them. If they have attempted phone contact, that is a violation of my consumer rights as I demanded written validation, not a phone call. Both faxes were sent to fax number XXXX. This fax number was provided by a consumer service page. The company has violated federal consumer law by not providing a fax number on their open to the public website. I demand the company cease and desist all collection activity and also remove the trade line from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax dispute XXXX XX/XX/2020 XX/XX/2020 PENDING This remains pending. I am a victim of ID theft, I contacted them by phone and they want me to mail my ID and SS # via unsecured mail. That is not correct, I have no issue submitting via a secure and encrypted link - but not in the mail especially both documents together that would be horrendous if it gets in the wrong hands. This has been way past the 30 day timeframe and it needs to be resolved. As per the law, Equifax must remove the accounts and notify the other credit bureaus for their removal as the investigation has passed the 30 day timeframe.
Product: Checking or savings account

I put in fraudulent cases and my money being missing and they saying, I lost the case. I didn't have a debit card to get money out of the bank and my money is missing and they say the money is missing from XXXX. I'm from New Jersey.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I requested removal of inquiries on credit reports from the following companies that pulled my credit files without authorization or proof that I gave permission. None of the companies responded, I submitted two different disputes with XX/XX/XXXX, however XXXX  refused to reply or remove the inquiries.

XXXXXX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX   XX/XX/XXXX
Product: Credit reporting

Hello, Contacting you is my last effort to resolve the issues I 've been experiencing with the credit bureaus. I have incorrect information being reported on all XXXX. The compliant is being filed against Equifax specifically. I will do each compliant separately to aviod missed information. I have disputed all hard inquiries on my credit, my personal information, and several accounts that are in collections that do not belong to me. The confirmation number for my most recent dispute with Equifax is # XXXX. They have my incorrect date of birth and spelling of my name listed on the report. The correct personal information was included in the dispute request that I submitted on XXXX. This is my 3rd attempt to have all hard inquiries removed as well as the accounts in collections as they do not belong to me and were not authorized by me. I have submitted supporting documentation of my identity and they still have not updated my information nor deleted the inquiries. I would appreciate it if something is done in regards to the fraudulent activity on my credit report as the credit bureaus are n't handling the matter. I have attached a copy of my identification as it is listing an incorrect date of birth on my report.
Product: Credit reporting or other personal consumer reports

I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Personal information. Names. Only the name XXXX XXXX XXXX should be present all my consumer report any variation or misspelling of his name must be removed. Addresses. Only the address XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses.. the following addresses must be removed XXXX XXXX XXXX XXXX, IL XXXX And the address XXXX XXXX XXXX XXXX XXXX, IL XXXX They must be removed immediately In the birthdate/year of birth field YEAR OF BIRTH 1998 this is incorrect and incomplete. I would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. EMPLOYERS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXXXXXX XXXX  Company Inquiries : 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

On XX/XX/2022, XXXX submitted erroneous information to Experian, which caused my credit score to decrease and jeopardized a real estate home transaction. I haven't used the card in question, and XXXX submitted incorrect data with a 93 % utilization. XXXX acknowledges that my information is listed correctly in their systems but refuses to correct it with the credit agency promptly.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : DISCOVERBANK XXXX Inquiries : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you