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

I am filing a complaint against XXXX for their failure to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) regarding a fraudulent account opened in my name ( Account # XXXX ). 
Timeline of Communications : XX/XX/year> : Sent initial identity theft notification letter including : FTC Identity Theft Affidavit CFPB Notice to Furnishers of Information document with highlighted FCRA obligations Request for removal from all three credit bureaus Certified Mail Tracking # XXXX Delivered XX/XX/year>, at XXXX XXXX  XX/XX/year> : Sent follow-up letter including : Police report FTC Identity Theft Affidavit CFPB Notice to Furnishers of Information document To date : No response received by either myself or my power of attorney Legal Violations : Section 623 ( a ) ( 6 ) of the FCRA requires that upon receiving notice of identity theft : Furnishers must cease furnishing information relating to the consumer to any credit reporting agency Furnishers must notify all credit reporting agencies that previously received the information that the information was fraudulent Furnishers must implement reasonable procedures to prevent refurnishing of the fraudulent information Section 623 ( a ) ( 2 ) of the FCRA requires furnishers to : Conduct an investigation upon receiving notice of identity theft Review all relevant information provided by the consumer Report the results to the consumer XXXX has failed to meet any of these obligations despite : Receiving proper notice via certified mail Being provided with comprehensive identity theft documentation Receiving a follow-up communication with additional documentation Being explicitly informed of their legal obligations via the CFPB notice Impact : This continued reporting of fraudulent information has : Damaged my credit score Caused significant emotional distress Created financial hardship Required extensive time and effort to attempt to resolve Generated unnecessary legal expenses Requested Resolution : Immediate cessation of all reporting related to this fraudulent account Notification to all credit bureaus that the account is fraudulent Removal of all related information from my credit reports Written confirmation of all actions taken Implementation of procedures to prevent refurnishing Compensation for damages incurred due to their negligence I request that the CFPB investigate this matter and ensure XXXX 's compliance with their obligations under the FCRA. Their continued failure to respond or take appropriate action demonstrates willful noncompliance with federal law.
Product: Mortgage

He reached out to us unsolicited, offered an interest rate without disclosing the APR alongside ..and he is also not licensed in Kentucky ... so he is unlicensed and solicited business in a state where he is not licensed
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach XXXX seeing things thats not connected to me
Product: Debt collection

I have been getting debt in my XXXX account that is not mine from different collection agency 's. I dispute them and they get taken off but more keep showing up. I have gotten XXXX phone call and a physical letter in the mail from XXXX different agencies looking for the same person... XXXX XXXX XXXX XXXX, My name is XXXX XXXX XXXX XXXX when I called one of agencies I gave them my name and social, they confirmed I do not have any collection with them but in my XXXX says otherwise. they said all they could do was investigate if I send them an email with my credit report. I don't know if this is fraud or my information is just getting confused with someone else 's. please help.
Product: Mortgage

On XX/XX/2020, my wife and I to Wells Fargo, and were approved for a " no cash out '' refinance mortgage of our existing Wells Fargo mortgage ( # XXXX ). Wells Fargo selected XXXX XXXX XXXX to handle the title insurance/documentation. 
We signed closing documents on XX/XX/2020, and received notice of successful closing/congratulations, on XX/XX/2020. We were then issued an account number for the new mortgage ( # XXXX ). 
On XX/XX/2020, we received a phone call from Wells Fargo, for the " past due '' XXXX payment of our original mortgage ( # XXXX ). 
Upon calling Wells Fargo, I was told that the payoff amount for # XXXX ( sent by XXXX ) was somehow insufficient, so " existing balance '' payment for # XXXX has not been accepted, causing that mortgage to become past due. 
No one had previously informed us of this, and had, in fact, sent us the " notice of successful closing '' /congratulation email. 
So now there is a dispute between Wells Fargo and XXXX XXXX as to a solution. 
In the interim, here we sit, with two mortgages ( one on the verge of becoming delinquent ), because the title company Wells Fargo selected couldn't get their numbers right?
Product: Credit reporting or other personal consumer reports

I am consumer by law and feel taken advantage of. There is inaccurate information that still being reported by this company. I feel they are disregarding me and this is creating a lot of stress for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act XXXX the accounts below has violated my rights Account name : date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$490.00} Account name : date : XX/XX/XXXXXXXX XXXX XXXX  XXXX {$11000.00} Account name : date : XX/XX/XXXX XXXX XXXX XXXX # XXXX {$0.00} XXXX date : XX/XX/XXXX # XXXX {$390.00} XXXX XXXX date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  date XX/XX/XXXXXXXX XXXX XXXX {$570.00} ACCOUNT name : XXXX  date : XX/XX/XXXX # XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I made a mistake when filing a dispute to remove my hard inquiries there is a XXXX XXXX  credit card with a credit limit for {$6600.00} that I mistakenly had removed I would like to be replaced please credit line was added to my credit report in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, 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: Student loan

I am having trouble with Navient. This is n't my first time. They are demanding that I pay close to {$1600.00} a month for my student loans - a very substantial increase from the {$500.00} I have been paying. I only bring home {$1600.00} a month from my job as a XXXX Team Member at XXXX XXXX. I am lucky enough to still live at home with my parents, essentially with free living expenses, but I do have a car payment, car insurance, and other living expenses I must meet. They will not come to terms with me but rather are hassling my father and aunt who are co-signors on the original note. Neither of them are able to pay what Navient is requesting either. My aunt is XXXX and retired with a very limited income. My father is in his last year of employment before he retires. I am not unwilling to repay my loans but I need to come to an agreement with Navient so that it is an amount I can afford. I borrowed {$57000.00} originally. I have been paying for 7 years and still owe {$80000.00} due to the compound interest. I will never be able to repay them at this rate. I will never be able to leave my parents ' home either to live on my own. Please help!
Product: Payday loan, title loan, or personal loan

I have spent many hours trying to solve this problem and no XXXX at US Bank would help me re : an XXXX Acct. back in XXXX in our name : XXXX XXXX XXXX and XXXX XXXX XXXX. We have been customers of US bank for XXXX years in XXXX XXXX and we have never experienced this kind of poor customer service. XXXX Bank agents at US Bank tried to help us but then gave up. We have been given several different departments to help us but no XXXX  can figure out how to do an XXXX # XXXX corrective form to a lien that US Bank did not file properly. 

The XXXX representative XXXX has also spent many hrs. trying to help me get this problem solved. We having been working on it for the over XXXX weeks and he has faxed the request XXXX  times for a XXXX # XXXX form to be filled out by US Bank to let him know that this equity line was paid off and satisfied so he can release our escrow money of {$150000.00} that was taken out of the proceeds on the sale of our home on XXXX XXXX, XXXX. 

We need help to get USBank to fill out & file the proper form so that we can get the money back from an escrow fund that the title co. has been holding for over XXXX weeks. 

XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, and XXXX XXXX Account 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: Debt collection

Good evening, My name is XXXX XXXX On XX/XX/2020 I made a purchase of furniture from XXXX XXXX located in XXXX NJ. 
When I made this purchase I told the supervisor and XXXX ( a very good sales man bc Ingot convinced ) that I needed to check if this furniture would fit my house since it's a small house. They said there was no problem to make the purchase now and to just call if it doesn't fit to cancel and that there was no problem. 
Since I bought it after the store closed I called them the very next day and spoke with XXXX and the supervisor, they said it was fine and that they will call me back. Since I didn't receive a call back I kept calling them leaving a message ( they did not return my calls ) so I wrote them an email ( with no response ) I mention this bc I don't know when the store made SYNCHRONY bank aware of the cancelation. 
To make this story shorter. 
When I received the first vpicemail from SYNCHRONY bank In XX/XX/2020 I called them and found out I had this debt. 
I made the first dispute which they did respond ( only dispute they ever responded ) saying that my dispute was in in store 's favor. Since then I made several disputes and went to the store to get the PROOF OF CANCELATION FROM THE STORE which I sent to the credit card company which is SYNCHRONY bank via fax and I received a letter saying they received the letter. 

I have made several disputes with no responses, I have called at least 35 times and spoke with different agents, supervirors and XXXX department with no response, one agent tells me to call the other department, when I call the other department they tell me to call the first department I called. Nobody is ever able to give me information and I have not received letters or information. 
This has been going for 16 months. With no help, no advice. I asked them if they need the store to call them or to please tell me what they want me to do to resolve this issue, they said is under dispute and to just " wait ''. 
This past week I received a letter saying this debt is closed, when I called to ask what this means they said it meant this credit was sent to the credit bureau. 
I feel this bank is just trying to buy time by telling me to just wait every time I call them I have received no help. I don't know who to ask for help. 

Attached is proof of the cancelation and the letter I received from the bank. 
The cancel receipt states that THE STORE RETURNED THE MONEY TO SYNCHRONY BANK. ( On the right lower corner ) The store supervisor told me the store never received the money from SYNCHRONY Bank, he stated this bank is so bad they no longer to business with SYNCHRONY bank. 

Thanks in advance XXXX XXXX Ph # XXXX Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I made the final payment on an account from Kohls that went to collections. This occurred moments after my father had been hospitalized and severe family changed and events. I would like to have it removed as it does not have an accurate representation of my true credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for credit and was denied, upon receiving a copy of my report I found the following errors 1.XXXX Account XXXX : XXXX 2.XXXX Account Number : XXXX 3.XXXX XXXX  Account Number : XXXX 4.XXXX Account Number : XXXX 5. XXXX Account Number : XXXX* 6. Account Number : XXXX 7. 42 U.S. Code 1320d Account Number : XXXX 8. 42 U.S. Code 1320d Account Number : XXXX 9. 42 U.S. Code 1320d Account Number : XXXX 10. 42 U.S. Code 1320d Account Number : XXXX 11. 42 U.S. Code 1320d Account Number : XXXX 12. 42 U.S. Code 1320d Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Submitted a dispute early last year in regards to inaccuracies found on my credit report, I received a letter back from each company saying that the debt was verified and it will remain on my credit report so I sent out a response letter to XXXX, XXXX and Experian requesting how the debt was verified and requested verfiable documentation from each company in question to verfiy the debt or payment history. Each company could not provide the following items I requested and contract with my wet signature and proof of ownership of the following accounts etc .... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} {$0.00} I also went to founders personally and retrieved my payment history along with original loan documents and none of the information matches up with what is being reported. I did not have a repossession for two months in a row nor was my balance XXXX it was less. the terms are also reported wrong as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Experian to remove 2 inquiries from my credit report because I think the rule for inquiries is that subsequent inquiries from the same industry ( mortgage loan shopping in this case ) are counted as one inquiries if submitted within 30 days of the initial inquiry. I have disputed this with Experian twice! Each time they interpret me as asking them to dispute the subsequent inquiries as if I do not acknowledge them. I do acknowledge the subsequent lenders inquiries but think they do not count because they occurred within a few days of the initial inquiry. Experians phone support do not get what I am disputing so then they submit dispute to the subsequent companies indicating that I did not initiate that request and I did! What is my recourse if Experian CAN NOT UNDERSTAND and address my concern and remove subsequent inquiries or provide an answer as to why they can not remove them. 

The information on the link below is why I think I am correct in my concern. The subsequent companies also know about this information and state that the credit bureau must make the correction unless I tell them that it was not me but it was me so they can not do anything to change the report! 

XXXX XXXX XXXX  Please tell Experian to remove the subsequent inquiries if the rule or law states it should be done. 

The 3 mortgage loan inquiries occurred on these dates : XXXX XXXX XXXX XXXX ( Initial Mortgage ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Report Number - XXXX
Product: Money transfer, virtual currency, or money service

On XXXX I was charge for a service I never requested through PayPal I created a dispute but still sidder with the scammer. I have asked for receipts and proof that I authorized this and too date they have not been able to show me.
Product: Credit reporting or other personal consumer reports

Experian has inquiry accounts that I did not agree upon and did not authorize an agreement on.
Product: Credit reporting or other personal consumer reports

I noticed that two accounts were added to my credit report on XX/XX/year>. Both are listed as student loans from the Department of Education and are for different amounts ( {$3000.00} and {$1700.00} ). I do not have any existing student loans, nor have I filed for any, so I am certain these do not belong to me. I filed a dispute via XXXX XXXX back on XX/XX/year>, but it was resolved with no changes to my credit report. I filed again today ( XX/XX/year> ) with XXXX XXXX and also called TransUnion directly. The woman I spoke to at TransUnion indicated that for them to further investigate my dispute, I needed to file a complaint with the FTC/CFPB for them to resolve the issue. I would very much appreciate some help resolving this issue, thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : 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 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 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 or 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.

Thank you, XXXX XXXX XXXX
Product: Debt collection

This company called me repeatedly about a debt I do not owe them. It was a business account and I told them I was not the owner. The person who set up the account made it a business account. The company keeps calling me cursing at me telling me I owe them money.
Product: Mortgage

My loan in XXXX on my condo is being serviced by NewRez, who purchased the note from my previous lender. 
1. They sent a letter to me that arrived XX/XX/XXXX that states that they informed me by letter 45 days prior that there was an issue with my flood insurance and gave me until the XXXX. There was no prior letter, and since they acquired the asset as of XX/XX/XXXX they of course would not be sending me a letter before they were the lender. So I am left in the position of being under unreasonable duress to fulfill their insurance requirements. 
2. They claim, on one hand that they do not have a copy of my flood insurance, and on the other that the amount allocated to my unit is not sufficient. How would they know if they don't have a copy of my homeowners? Furthermore, they plan to increase coverage from what is currently in place by 25 %. 
3. When i submitted a copy of the coverage, which is from XXXX, they did simple math and decided that the {>= $1,000,000} of coverage for " Replacment Cost '' divided by 191 units yielded only XXXX/unit and therefore my unit was deficient from the {$170000.00} they require. 
The calculation by the lender is completely arbitrary and does not reflect how insurance deals with claims. Firstly, my unit is one of the larger units in the building. The insurer would not allocate the total coverage generally governed by the unit count, but it would be based on unit size. 
Total replacement cost is also a judgement the insurer made, in its sole judgemenet, as to the reasonable replacement cost. XXXX is a reputable company, and to resort to some arbitrary method, which yields 25 % difference in coverage, is for the benefit of the lender and to the unfair detriment of the borrower. 
This is not a fair lending practice, and should be investigated as it may be common practice by New Rez as a loan servicer.
Product: Credit card or prepaid card

I, XXXX XXXX have been abused by Ford Motor Credit Company who is criminally and civilly held liable for Fraud, Abusive Practices and other Consumer Violations. The Participating parties include XXXX XXXX ( XXXX XXXX XXXX, XXXX ), who repossessed my vehicle under fraudulent pretenses, XXXX XXXX, XXXX who attempted to sell my vehicle under unlawful pretenses, XXXX XXXX Police Department ( Represented by XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, ) who enforced an unlawful repossession, and lastly XXXX XXXX XXXX XXXX XXXX, ( Legal Representative of Ford Motor Credit Company ) who enforced the repossession by demanding me to pay a balance that has already been paid, by requiring me to provide proof of insurance which should have been included in finance charge, and forcing me to file ( and provide proof of ) bankruptcy to get my property back. The above parties have collectively conspired to violate me pursuant to : 15 USC 1601 15 USC 1602 ( 1 ) 15 USC 1605 ( a ) ( 5 ) 15 USC 1611 15 USC 1635 ( a ) ( b ) 15 USC 1640 15 USC 1663 ( 2 ) 15 USC 1692 ( e ) ( f ).

Other violations include : 18 USC 242 18 USC 894 ( a ) ( 2 ) 18 USC 1951 31 USC 5118 UCC 3-603 ( 810 ILCS 5/3-603 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in reference to a released XXXX XXXX that is reporting on my XXXX and Equifax credit report as XXXX # XXXX. The XXXX is released and the documentation is attached to this complaint. I have filed numerous investigations in efforts to having this public record removed both by letter and phone most recentlyXX/XX/XXXX and the receptionist at Equifax stated that she could not remove it although it did not meet the current guidelines under the new law effective XX/XX/XXXX that any public record data must include Name/Address as well as Social Security Number or DOB in order for it to appear in your credit file. This is the same XXXX XXXX that XXXX removed from one investigation. XXXX or Equifax has not updated their information and per the new law the Released XXXX XXXX listed does not include all the required information and should be deleted from my credit report.
Product: Debt collection

I used to own to an XXXX XXXX XXXX XXXX XXXX XXXX which I sold in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This sale was as part of trade-in while buying a new car from this XXXX dealership XXXX 
I am now being told that this sold XXXX XXXX was involved in an accident on XX/XX/XXXX and I am being asked by " Lien Enforcement Inc '' that I owe a debt amounting to {$1800.00}. I have told them that the car was sold 5+ months ago and I have no longer anything to do with that car. But they still keep calling me. I am attaching along the letter from the debt collection company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.