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

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXXXXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account Number:XXXX  Account Name XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was servicing the Loan and did not respond to my claims that the loan should be discharged. 
The school misled me in getting the loan and there was a school admissions scandal that I ended in the prosecution of admin members. XXXX XXXX informed me the loan must be moved out of delinquent status to submit dispute. 
I then submitted the borrows defense form- XXXX then transfers the loan to department of education and left the negative reports on my credit. - they kept referring me back to my school or department of education. 

- I requested all statements of payments from XXXXXXXX XXXX to prove the account should be removed from my credit report. I was told twice i would receive the documents and never did. 
XXXX XXXX transfered the loan and there for should not report it on my credit report as the same debt was being reported by XXXX separate collectors. XXXX and Department of education.
Product: Credit card or prepaid card

Hey so I started with this company and they made me provide proof to get a SECURED cc. I gave a XXXX $ deposit. All of a sudden they started requesting proof of identity. Which I provided when I got the card for this secured card. My first problem was a charge from XXXX XXXX. They promised a credit and never followed through. I provided screenshots with names etc and Discover reversed the charge with the information provided. Which caused me to be over the limit. I continued to pay the bill. Then the last straw was stiffing me for my security deposit right as I was approaching my XXXX months. I would like my money refunded. I no longer care about having the card as it is now closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Recently. I did an investigation on my credit report and found several bers on there to be inaceurate. 
Under XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Accuracy of report Whenever a consumer tesorting agaosy prepares a consumer report. XXXX shall follow teasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Treatment of inaccurate or unverifiable information ( XXXX XXXX I, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a gonumer, an tom of the information is found to be inaccurate or incomplete or can not be verfied, the consumer XXXXepoding agency shall- ( prompty delete that item of information from the file of the condumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ; ipromptly notty the fumisher of that information that the information has been modified or deleted from the file of the consumer Please remove the following bems from my credit report, immediately. 
Chapter 13 Bankruptcy
Product: Debt collection

I was contacted by a debt collector on my personal phone while at work. He was attempting to collect a debt as a third party. I told him over the phone that this debt has been in dispute for some time now. He asked me if I wanted to resolve this voluntarily and if i did not that this would go on my credit. I have submitted an email to the company and have submitted in formal writing that I am disputing the debt entirely. Furthermore I was never advised of the debt transfer to a third party from the original party who was involved. I was completely blindside by a collections call.
Product: Mortgage

Hi - My mortgage was modified many years ago when owned by XXXX XXXX. It was modified through XXXX. As part of the modification, my payments are to step up due to rate changes ( XXXX years at 2.0 %, XXXX at XXXX, XXXX at XXXX and finally a reset to 4.375 % ). My loan payment just modified to 4.0 % on XX/XX/XXXX. Since being modified, the mortgage not was sold and servicing rights were transferred to Fay Servicing. 

I am underwater on my mortgage balances. I purchased my home in XX/XX/XXXX for $ XXXX. I currently have a mortgage balance with Fay Servicing of $ XXXX and a second mortgage with XXXX XXXX of $ XXXX. I believe I could sell my home for somewhere between $ XXXX and $ XXXX based on recent comps. Realistically, if I were to sell at $ XXXX, I would need to bring approx. $ XXXX to the table to cover closing costs and mortgage deficiencies. That number also does not take into account the XXXX foreclosures in my neighborhood that I will be competing with that may drop that price and increase the amount I would need to come to the table with. 

I pro-actively reached out to Fay Servicing to explain that my income has not risen at a pace to keep up with the new payment structure. I alerted them to this over a year ago and then again last month ( XX/XX/XXXX ). At this point, I am not able to make my XX/XX/XXXXpayment as it is not within my budget. 

I just received Fay Serving 's response to my request for assistance. Their response is dated XX/XX/XXXX and simply states I am 'not eligible for an alternative to foreclosure '. Based on previous experience with Fay, I did not expect much assistance. But, this letter leads me to believe that my only option is foreclosure. 

Recently, I read an article about Fay Servicing was keeping borrowers in the dark about their foreclosure prevention options and a civil penalty assessed by the CFPB. Based on their response to me, I feel that this practice is continuing at Fay Servicing. 

Also, when reviewing my recent activity with Fay, there 's an odd line item dated XX/XX/XXXX. The line states : 'Misc Foreclosure and Bankruptcy Expenses '. I 've inquired about it to my account manager and have not received a response to my inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX   XXXX  Reported : XX/XX/XXXX + {$1200.00} Closed XXXX XXXX  Reported : XX/XX/XXXX + {$1200.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX + {$620.00} Closed
Product: Credit reporting or other personal consumer reports

These late payments don't align with my usual pattern of paying on time, so I need you to update my accounts and make the necessary corrections right away.
Product: Credit reporting or other personal consumer reports

I originally opened an XXXX XXXX ending XXXX in 2022 which had a {$1000.00} initial credit line. In 2023 I learned XXXX bought XXXX and to prepare for the acquisition, they began updating the card numbers, which caused the original account to change to XXXX XXXX. My card stayed under XXXX XXXX until XX/XX/XXXX2023 at which time XXXX replaced the card with their own, however the account number ending XXXX remained and has remained the same. XXXX stopped being reflected on my statements in XXXX  2023, in XXXX  2023 XXXX  branding took over. However, in XXXX  2023, I decided to open A NEW CARD directly with XXXX  to help build the relationship. I was approved and issued XXXX XXXX ending XXXX which started and has remained with {$800.00} limit. That card is reporting and has reported since its opening. My issue is that my credit report HAS NO RECORD of the XXXX XXXX account XXXX you start from 2022 OR after the merger in 2023. Thats XXXX whole years of credit activity that is missing COMPLETELY. I just pulled my CR on XXXX and there isnt even a closed account under these details from XXXX or XXXX. I am trying to repair my credit and this has actually lowered it significantly. I demand that XXXX immediately update their records with ALL XXXX Bureaus with the correct and accurate info for XXXX XXXX XXXX starting from XXXX and going thru current date and onward. I have tried getting them to do this directly but they made me send a request and my CR but can not tell me when or how they are going to fix it. I called them on XXXX and XXXX and XXXX but they are unable to provide any information other than and I quote - WE REPORT TO ALL BUREAUS AND YOUR INFORMATION IS REPORTED AFTER EACH STATEMENT IS RELEASED, WITH THE NEXT ONE DUE XXXX. That can not be correct because I have XXXX years of statements online I can pull and NOT one has shown up on my CR at any time. I have also hired a credit repair company that has sent validation to the bureaus and XXXX  has failed to update ANY information as legally required under FCRA.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 6802 a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously on XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX  XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$2700.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not ask for a security freeze to be put on my credit The problem is the verification/validation Equifax did not verify the XXXX XXXX collection and XXXX XXXX. account on my credit. XXXX is not a valid form of verification. XXXX XXXX and XXXX XXXX is third party collection agencies they do not have my full social security number. Identity theft is so easy especially through the hacking of computers. I have contacted XXXX XXXX with a validation letter and have not gotten a response so therefore I know you did not contact them verbally and speak with someone because I was told that the Equifax representatives are not allowed to call the creditors nor the collection agencies. I sent Equifax a method of verification form that was never filled out.. Once again XXXX is a web based automated system the Equifax use . That is not verifying this account. I will be contacting the president of Equifax XXXX XXXX XXXX if these accounts are not removed immediately. The accounts not verified nor validated are XXXX XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

HELLO MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE ELSE STOLE MY IDENTITY TO OPEN CREDIT CARDS AND CAR LOANS,
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal, NOT public information was used without a permissible purpose. I have NO accounts with these creditors who have used my information, there is no connection with a business transaction that is or was initiated by me the consumer. This is a violation of the FCRA. Also my address is reported inaccurate, and I asked them to update this as well.
Product: Credit reporting

I 'm a victim of identity theft as a result of this there were some inquiries made without my knowledge or consent, i have sent out numerous letters to Equifax with supporting documents, they are ignoring me and they still have n't removed these items that clearly do not belong to me, this is very frustrating and disappointing and I need help to remove these inaccurate items, i 'm attaching the letter that i sent out to the bureaus
Product: Credit reporting or other personal consumer reports

On XX/XX/ I sent Experian a letter to update my personal information. 
According the the latest credit report, this information remains incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Credit card was open in XX/XX/XXXX and is currently in charge-off status. The 3 credit bureaus are only reporting back to XX/XX/XXXX. I am trying to confirm how this account was opened, online, in person or via mail, etc. I am also requesting payment history between XX/XX/XXXX and XX/XX/XXXX. I believe the date that this account should have stopped reporting has passed. I have attempted numerous dispute to obtain and verify information regarding this account. The result of the disputes is always updated with insufficient information. Please verify the creation of this account and provide payment history between the origination and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$59000.00} XXXX XXXX XXXXXXXX Balance : {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of fraud in XX/XX/2022 and reported it to Citibank. I was told to go into the branch so that they could close and open a new acct for me as a measure against fraud. My previous acct had a line of checking plus of {$1000.00}. Due to the fraud hitting my credit score for multiple reasons, ( Citibank, Amex credit card and XXXX ) my credit score was lowered. During this entire process I was assured I would be approved for the overdraft. Turns out, the managers at the XXXX Citibank in XXXX, lied to me by providing misinformation. They are not authorized to tell customers if they will get approved for certain products as this was the case in my situation. Overdraft is given SOLELY on credit score and given my score took a hit during this fraudulent activity there was no way the managers should have ensured me that everything would be the same.
Product: Student loan

Due to the coronavirus, this issue is cripppling me financially. They should retract the late payment, because it was due to an error by a third party.
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 U.S. Code 1666b. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account numberXXXX Account Name : XXXX XXXX Account number:XXXX Account Name XXXX XXXX XXXX Account number:XXXX Account Name : XXXX XXXX XXXX XXXX Account number:XXXX Account Name : XXXX XXXX XXXX Account number : XXXX Account Name : XXXX XXXXXXXX Account number : XXXX Account Name : XXXX Account number : XXXX Account Name : XXXX Account number : XXXX Account Name XXXX XXXX Account number : XXXX XXXX. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

The only address that is accurate on my credit report is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX These addresses were used by fraudsters and need to be removed so my personal information is not mailed there anymore so No body will have access to my information or the ability to have access to my credit again XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My name is spelled XXXX XXXX I never used or applied with the following spelling below and should be removed and deleted Incorrect spellings of my name XXXX XXXX XXXX XXXX XXXX And I have a outdated job listed I try to remove several times which is listed below I would like removed and deleted XXXXXXXX XXXX XXXX This is my correct cell phone number XXXX These phone numbers listed below are inaccurate and are not mine XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Accounts # XXXX This account has been paid and closed since 2019 but my Equifax report is still showing that it is open with a balance. How can this be? XX/XX/XXXXand XXXX are reporting the account closed. This inaccurate information is preventing me from getting the credit I deserve and it needs to be removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

there should be a catagory for ''CREDIT REPORTING CRIMES AND FRAUD '' this would explain chexsystems making bad reports on my good name WITHOUT HAVING ANY TANGIBLE PROOF OF ANYTHING, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND they send me a letter i have a ''consumer file '' how did that XXXX  happen? I am not thier comsumer, can i see evidence that im a consumer of chexsystems? SHOW IT TO ME, AND WHO THE XXXX MADE ME A CONSUMER NUMBER WITHOUT MY CONSENT? AND THIS IS A CRIME FOR SURE, LET ME GET THIS STRAIGHT FOR THE UMTEENTH TIME, IM NOT YOUR CONSUMER, IM NOT YOUR MEMBER, IM NOT YOUR CUSTOMER, AND YOU CAN NOT HAVE MY SOCIAL SECURITY ACCOUNT ACCESS, ITS A TRUST ESTATE ACCOUNT AND I FORBID XXXX   TO ACCESS IT, AND NO IM NOT GOING TO VISIT YOUR WEBSITE BECAUSE I DO NOT HAVE A CONTRACT WITH YOU CRIMINALS, AND IM NOT GOING TO CALL YOUR XXXX XXXX ON THE PHONE WHICH ASK ME FOR PERSONAL INFORMATION WITCH IS NONE OF YOUR XXXX  BISNESS, I WANT TO KNOW ALL WHO YOU ARE REPORTING FOR AND I WANT FULL DISCLOSURE OF ALL REPORTS WHICH YOU HAVE FAILED TO DO OVER THE PAST YEARS AND COMMITTED MORE FRAUD AND CRIMES
Product: Credit reporting or other personal consumer reports

The information is incorrect on my credit report Names and addresses is not mine