23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

****To begin, I would like to ensure you have and ONLY hold on to present, TRUE, CORRECT, COMPLETE, and MANDATED recorded To the degree that FCRA regulations, any and all others that could or should be reported now or else wise I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul permanently and immediately any and all of these aforenoted conditions, mentioned or not, especially if related directly or indirectly to any potentially injurious be it indubitable or unknown! Again, I DO NOT AUTHORIZE you to misreport any mis-information now or ever, please review and ENSURE your adequate and full accordance with the laws upon which govern your practice of reporting consumer credit profiles. 
( a ) I do NOT have any OTHER NAMES or aliases and I do NOT have ambition for any OTHER NAMES or aliases to be retained or recited, if ANY edit out NOW or produce PROOF of your legitimate AUTHORITY to preserve much less report without infringing my consumer right ( s ). 
( b ) I do NOT have any OTHER existent addresses and I do NOT covet any OTHER ADDRESSES to be retained or made known, if ANY annul NOW or produce PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( s ). 
( c ) I do NOT have any OTHER SSNs and I do NOT have wish for any OTHER SSNs to be retained or expressed, if ANY omit NOW or product PROOF of your legitimate AUTHORITY to cling to much less report without infringing my consumer right ( s ).. 
( d ) I do NOT have any OTHER Dates of Birth and I do NOT have compliant-like salacity of or for any OTHER Dates of Birth to be retained or rumored, if ANY expunge NOW or product PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( s ). 
( e ) I do NOT have any telephone numbers and I do NOT yearn for any telephone numbers to b e retained or described, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( s ).

( f ) I do NOT have any employers and I do NOT long for any employers to be retained or believed, if ANY exclude from reporting NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( s ). 
Page 1 of 6 -XXXX XXXX ( g ) I do NOT have any spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or communicated, if A N Y REMOVE FROM REPORTING NOW or product PROOF of your legitimate AUTHORITY to sustain much less report without infringing my consumer right ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have traded in my car already, this loan is paid off and transferred to someone else and its still reporting on my credit as past due. I tried to dispute it with XXXX XXXX and they did not remove the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent multiple letters to the company 's XXXX, XXXX, Transunion Showing them plenty of Errors and Violations they have made on my reports and they have yet to remove them and I'm getting frustrated they are hurting me from gettin me and my family a home in this pandemic!!
Product: Credit reporting or other personal consumer reports

i gotten a loan from XXXX XXXX XXXX in XX/XX/XXXX, not knowing what was the interest rates laws in texas. i recently found out after spring oaks capital sent me a copy of the application ( bond ) stating that the APR was 30.5 % ( 13.5 % over Texas Usury law of 18 % .which is a violation of Texas State Laws on Usury Violations Texas Finance Code Chapter 305 Civil Penalties : If a creditor charges more than the allowable interest rate ( e.g., above the 18 % limit in the Texas Credit Letter ), the borrower can recover the greater of : Three times the amount of interest ( 13.5 % ) charged above the legal rate = 40.5 % {$2000.00} or 20 % of the principal amount, whichever is less Attorneys Fees : If the borrower successfully brings a case for usury, the lender may also be liable for reasonable attorneys fees ( Texas Finance Code 305.005 ).

Criminal Penalties ( Tex. Fin. Code 305.008 ) Usury is a misdemeanor in Texas. Each offense can result in : A fine of up to {$1000.00}.

In cases of willful or repeated violations, the lender may also face additional legal action or further penalties imposed by the Texas Office of Consumer Credit Commissioner ( OCCC ).

Lender 's Liability : If found guilty, all interest already paid by the borrower on the usurious loan must be forfeited or refunded. The loan agreement may be rendered partially or entirely unenforceable, depending on the severity of the violation Truth in Lending Act ( TILA ) 15 U.S.C. 1601 et seq.

The TILA mandates clear and accurate disclosure of all loan terms, including APR. A lender who fails to disclose the true APR or charges excessive interest could face : Civil penalties and liability for actual and statutory damages.

Borrowers can sue for twice the amount of finance charges ( {$910.00} ) in cases of non-compliance with TILA.

Consumer Financial Protection Bureau ( CFPB ) Oversight : The CFPB has the authority to investigate and bring enforcement actions against lenders who engage in unfair, deceptive, or abusive acts and practices ( UDAAP ), including the imposition of excessive interest rates.

A federal complaint can also be filed with the CFPB for improper or usurious lending practices. 
Racketeer Influenced and Corrupt Organizations ( RICO ) Act 18 U.S.C. 1961 et seq. : In extreme cases, if a lender engages in a pattern of usurious lending practices, the conduct may fall under RICO. This can expose the lender to civil lawsuits, fines, and criminal penalties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans or gave anyone authorization to. I have never went to school. I opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

DPT ED/XXXX XXXX {$3600.00} DPT ED/XXXX XXXX {$6800.00} DPT EDXXXX XXXX {$1800.00} DPT EDXXXX XXXX {$9100.00} DPT EDXXXX XXXX {$3700.00} DPT EDXXXX XXXX {$390.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX {$570.00} XXXX  XXXX {$12000.00} XXXX XXXX XXXX {$480.00} XXXX XXXX {$2700.00} XXXX  XXXX {$600.00} XXXX XXXX   XXXX {$660.00}
Product: Credit card or prepaid card

Card member services call to offer me a lower rate. I have no card with them, and they can not identify me. Starting last year I have asked to be removed. They started using other phone numbers to call from. They have been using XXXX. Any attempt to talk to them they hang up. I have spoken to the women that has this number and she has given no permission for anyone to use her number. She said she was calling her phone company to register a complaint.
Product: Credit reporting or other personal consumer reports

I was disheartened to find unauthorized inquiries on my credit report tonight, and I have no idea how they got there. When I checked my report as usual, I was confronted with discrepancies that I hadnt seen before. I tried refreshing my browser, hoping it was just a technical error, but the inquiries remained. Because of this, Im requesting a thorough review of the documents Ive provided so I can stop worrying about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy showing up on my credit report that is not mine. XXXX continues to say they have verified this information with XXXX but XXXX has already removed this bankruptcy from my file yet XXXX keeps saying they've confirmed it with XXXX. I've included the Letter showing XXXX has already removed it and this shows XXXX is not checking or doing their job to verify this. This Bankruptcy needs to be removed ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX and XXXX did not remove all inquiries that was not affiliated with my open accounts I provided police report that clearly states that I was an victim of identity theft
Product: Mortgage

As recorded in the XXXX XXXX Florida on XX/XX/XXXX, Page XXXX, BK XXXX, I received an Assignment of Mortgage stating that XXXX had assigned my mortgage over to " XXXX XXXX XXXX XXXX XXXX XXXX '' ( See attachmemt ). There is a company by the name of " Carrington Mortgage '' that has been placing information on my 3 credit reports ( XXXX, XXXX and XXXX ) and stated the account was opened with them on XX/XX/XXXX. ( I'VE NEVER HAD A MORTGAGE WITH CARRINGTON MORTGAGE NOR WAS I EVER OFFICIALLY NOTIFIED ) that " Carrington Mortgage '' was assigned to or servicing my mortgage. My original mortgage was with XXXX and as the attached document states it was then " Assigned to XXXX XXXX XXXX XXXX XXXX XXXX '' ( see attachment ) Per XXXX XXXX FL XXXX records back on XX/XX/XXXX BK XXXX, Page XXXX there is a recording of my " Home Affordable Modification Agreement '' that we completed with " XXXX XXXX XXXX LLC '' ( see attached ). NOT AT ANY TIME HAVE I EVER RECEIVED ANY OFFICIAL OR UNOFFICIAL NOTICE FROM XXXX XXXX XXXX THAT MY MORTGAGE WAS ASSIGNED TO OR BEING SERVICED BY " CARRINGTON MORTGAGE ''. Dealing with this " Home Affordable Modification '' was a rip off all by itself which is a seperate issue. Under this program, our original mortgage was only $ XXXX and when they finished, we had a new loan of approx XXXX. ( see attached documents ). CARRINGTON MORTGAGE IS STILL REPORTING ON MY CREDIT TODAY AND MY HOME IS SOLD AND WAS SOLD XX/XX/XXXX AND THE SATISFICATION AND RELEASE OF MORTGAGE WAS RECORDED IN THE XXXX XXXX FL RECORDS ON XX/XX/XXXX, PAGE XXXX, BK XXXX ( SEE ATTACHED ). FROM THE YEAR XXXX UNTIL XXXX " CARRINGTON MORTGAGE '' HAS REPORTED INACCURATE LATE PAYMENTS ON MY CREDIT REPORTS AND THEY charged me XXXX for each online mortgage payment and {$10.00} to {$20.00} for payments made by phone. These pay-to-pay fees are a violation for both consumers mortgage agreements and Florida debt collection law . Carrington marks up the processing fees charged to borrowers for online and phone payments in direct violation of their mortgage agreements. The case goes on to claim that as a Federal Housing Association-approved mortgage servicer, Carrington agreed to charge borrowers only fees permitted by the Secretary of Housing and Urban Development . Per the lawsuit, pay-to-pay fees are not included in HUDs exhaustive list of authorized servicing fees and charges. Moreover, HUD specifically prohibits mortgage servicers from charging borrowers for costs of telephone calls, telegrams, personal visits with the Borrower, certified mail, or other activities that are normally considered a part of a prudent Mortgagees servicing activity, the suit continues. The lawsuit alleges violations of Floridas Consumer Collection Practices Act and Deceptive and Unfair Trade Practices Act, as well as breach of contract and unjust enrichment
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX TX XXXX XXXX REFER # XXXX XXXX XXXX XXXX I WAS TOLD THAT THE CARD SHOW XXXX BALANCE ON MY CREDIT CARD. AS OF TODAY STILL AFTER 45 DAYS SHOWS A BALANCE ON THE CREDIT REPORT. PAYMENT OF {$2700.00} ON XX/XX/2022 WAS SENT TO BARCLAYS CREDIT CARD AND ACCT PAID OFF. AS OF TODAY STILL SHOWS THAT I OWE THAT BALANCE.
Product: Checking or savings account

I made several deposits using my Bank of America Debit Card Account with online gaming companies in what turned out to be located in foreign countries. The charges showed up on my account statement under many different names that I did not recognize ( XXXX, XXXX, etc ). I have since learned online gaming companies such as XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, use pass through accounts for accepting deposits from players. After these deposits were accepted by the three companies listed above, I won a little bit of money. All together the winning amount is about {$500.00}. I made a request to withdraw the money from all three and it was denied by all three companies because I could not show proof of having a utility bill in my name. I tried sending everything to them and they still refused to give me back any part of the money I won or deposited with them. I thought of the CFPB and visited your website and read about how to report the transactions as charge backs to the bank. I submitted a claim ( fraudulent activity report ) with Bank of America and after 15 days I received a response telling me the claim was denied. I do n't know where to go from here so I am hoping you can help me get this resolved. All I want is for Bank of America to reverse these debit card transactions made to these companies. I do not want Bank of America taking a loss, I just want the transactions charged back. I have very little emails and communications with these companies as they will not put anything in writing. I am attaching a few copies of emails as proof to show I tried to withdraw the money and they refused to send it to me. This is not a case where I lost all my money and want the transactions charged back. To me that would be unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time going and submitting the appropriate information and I keep getting push back when I have provided all correct documents- They keep saying they have reached out to me for a second time but I never get that communication. 

Just as a reminder I have had consultation so I know I have provided the appropriate documents because I called the support line, and they walked me through the process and looked over all my documents so please delete and block the information in the allotted time so that I can move on please. 


I am writing in response to the information I submitted to your company regarding my debt bondage situation. As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed were self-attestation notarized, a picture ID, a bill, and a letter from an advocacy group helping me due to debt bondage, which falls under trafficking according to Trafficking-Debt Bondage 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW.

Which I have provided both all of my documentation as well as an attestation validated by a court appointed representative hence the form was read and notarized. Victim determination according to 1022.142 ( b ) ( 6 ) A self-attestation by a consumer ( myself ) who Identifies as a victim of debt bondage which is included in the trafficking CFPB -FCRA FINAL FACT. I have been in therapy since before the final ruling effective date XX/XX/2022, and I have self- attested as well as provided documentation showing I am in group sessions with an advocacy group and my attestation was signed by a State appointed rep from the courts with time stamp and dates. I have provided all appropriate documentation and Im in compliance under the Final Rule which established me as a victim of debt bondage which falls under trafficking. Once again I will Please ask you to block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Very RESPECTFULLY, PLEASE DELETE AND BLOCK the requested information on the previous communication.
Product: Mortgage

My mortgage was sold to Nationstar several years ago. I have had nothing but problems with them since. My husband and I have only social security as income. We live on a tight budget and emergencies can cause big problems. Got behind on payments and did a modification and was paying on time and early until we had a problem and got behind. Person helping me was no help at all. Never told me I could put arrears in a repayment plan. Instead offered another modification. I explained from the very beginning, when I was only a few payments behind, that I did not have internet and she needed to mail me the forms to fill out. I already knew the documents they would also need so I had them ready. After phone calls, voice messages and emails, six months later I'm told they don't mail paper forms!!! 
Now when I ask about repayment I'm told they looked into doing it in XX/XX/2018 but it was a year and I didn't have the amount available, whatever that means. I ask why I wasn't told about this and I'm told they only send a letter if I get approved??!!! 
This company is a mess and now I face foreclosure. I was never treated right and want to file a formal complaint against Mr Cooper and XXXX XXXX my dedicated loan specialist. Very poor quality work on my behalf. This should have been resolved within a few months as a repayment plan. 
Thank you for any help you can give me.
Product: Debt collection

An intimidating man wearing all black showed up at my former place of residence with no ID and did not indentify himself when asked multiple times. He had a false court summons and trying to intimate an XXXX  man ( XXXX XXXX XXXX with XXXX XXXX ) who owns that residence. I have no relation with him. This unidentified man threw the falsified summons into someone elses face who lived there which shared my information and debt without my consent. This incident was on camera and recorded. The XXXX  man was very shooken up and almost had to be taken to the hospital.
Product: Debt collection

Citi financial called my home when I was n't there. Upon returning home, my boyfriend told me that Citi financial called to collect on a debt from Home Depot that had not been paid in 2 months, the amount missed, and the amount needed to pay to bring the account current. This account was personal. He did not know about the account and I did not want him to know about the account. I feel like they violated my privacy by sharing my personal information with someone other than myself.
Product: Credit reporting or other personal consumer reports

I contacted XXXX and have asked them to close the fraudulent account and to remove the hard inquiry. They are in the process of closing the account BUT the hard inquiry is yet to be removed. I need the hard inquiry dated XX/XX/year> to be removed from Trans Union credit reporting agency. i didnt give permission for my information to be used to open any account. the company is closing the account. I need the hard inquiry removed from Trans Union. A fraud alert will be put on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  filed a complaint to all credit bureau and secondary credit union such as XXXX XXXX. About a bankruptcy that is being verified by those said companys. Ive received a letter from the XXXX XXXX in XXXX XXXX iowa that the courts dont provided or verify information to credit reporting agency. So the furnisher of said information is false
Product: Credit reporting or other personal consumer reports

In account with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX. XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX has violated my rights. I looked at my Equifax credit report on XXXX XXXX XXXX XXXXnd noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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

Someone open these accounts under my name. I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely,
Product: Credit reporting or other personal consumer reports

I have reached out to all three credit bureaus on many occasions to express the fraud alert. I have on my account as well as two request that the unauthorized unknown inquiries be removed while I am still dealing with this issue credit is also being processed with my information with the disregard to my fraud alerts that are on each of my credit bureau profiles. XXXX XXXX has giving me the hardest time Ive reached out to them only to be told they dont remove inquiries. It doesnt matter that they are unauthorized or authorized. They do not remove inquiries is what several out there Representatives told me from XXXX. Experian has been kind enough to understand and begin to remove inquiries that I did not authorize, XXXX I believe has removed most all of the inquiries however, there are still the several variations of my name, and which I only use my name one way my Social Security number has been listed as an account number that I dont know or recognize and they continue to allow credit checks or inquiries with my fraud alert on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 accounts 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 accounts : XXXX XXXX, XXXX XXXX & XXXX XXXX