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

n 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out several times to XXXX financial and they said that they would correct any error on my report caused bl there company. Till this day they have not corrected any information on my credit report. I will be filing a lawsuit in my county for them reporting false information on my report. This has caused me financial difficulty and has cost me time and money to dispute this error. Please remove this inquiry within 10 days of this notice. i also have enclosed one of the three letters i received saying that they would remove this inquiry. XXXX financial should contact Transunion and XXXX  to remove inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent Experian numerous amounts of letters to remove the incorrect reporting of XXXX XXXX on my accounting and they refuse to delete. I've asked for them to send me their method of verification etc.. and they refuse to send.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX did a hard inquiry on my credit report without my permission I didn't authorize it
Product: Credit card

Back in XXXX i established a Bank of America consumer credit card and swt up reoccurring auto payments of {$450.00}. In XXXX i faced financial hardship and was not able to make payments. Bank of America contacted me and we agreed on a monthly payments of {$280.00} using a different bank account. As those payments were going through successfully i attempted to stop the {$450.00} auto payments without any sucess to thos day. I been calling the Bank of America for 6 to 7 months to stop the {$450.00} auto payment of which the bank told me they can not cancel as they do not have access and told me to cancel via appt. I went to my account and removed all banking information and rest my auto payment of {$250.00} each month i definitely until paid off. Just few days ago i received another email notification that the {$450.00} will be withdrawn on the XXXX of XXXX. I called again today to inquire about stopping the seco d payment and was informed they can not do it due to lack of access. I asked to submit a technical issue ticket to fix this issue and was told that is something they are not able to do. In summary Bank of America wil not cancel my original {$450.00} auto reoccurring payments after i set up a new one of {$250.00} that is ungoing indefinitely until balance is paid. The original {$450.00} is linked to a bank account that has XXXX balance and it results in NSF charges of {$60.00} ( 1st attempt and 2nd attempt few days later ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. My name is XXXX XXXX XXXX. I have tried to contact a Human person at these credit companies, Trans Union Bureau, XXXX Credit Bureau, XXXX Credit Bureau and Annual Credit Report. I tried all their numbers and called five times over the past two weeks. The automated system for each service will not move me forward to the customer service representative. I am told by the automated system that because I do not have Limited Circumstances I can not speak to a representative.I can not access my credit report as my information is, apparently, not associated with my annual report account. I have been told by a bank that I have poor credit. However, I am XXXX XXXX XXXX and have not established any lines of credit history. I believe my credit information has been either compromised or used by a family member. 

I am very frustrated that I can not talk to a real person at all of these top leading credit companies, all of which hold information associated with my social security number. These companies have access to information that I need to verify and/or correct to see if my Credit has been in fact used by someone else. Can someone please help with how I can reach out to a person for one or all of these Credit Bureaus, please?
Product: Credit reporting or other personal consumer reports

Subject : Request for Method of Verification Dear Experian, I am writing to formally request the method of verification used for the information listed on my credit report, as provided by your agency. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) entitle me to this information, particularly in regard to the accuracy and integrity of my credit profile.

Dispute Information : XXXX XXXX XXXX XXXX ACCOUNT # XXXX I recently reviewed my credit report and noticed some discrepancies that I would like to investigate further. In accordance with the FCRA, I am requesting that you provide me with the following : 1. The specific information that was used to verify the accuracy of the items in question.

2. The name and contact details of the entities that furnished this information to your agency.

3. Any documentation or records that substantiate the verification process.

I kindly ask that you respond to this request within 15 days of receipt, as stipulated by the FCRA. Please send your response to the address listed above or via email at XXXX Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Debt collection

The aforementioned credit collection agency representing whomever your Client is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : Experian, XXXX and XXXX. This business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX  does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.
Product: Credit reporting

check my credit score and history and it says i have multiple accounts open for cards and loans for cars i never have or seen. somebody has been usimg my information since XXXX and maybe longer. it says they open a loaned somewhere around XX/XX/XXXX. and that wasnt me. i just need help fixing this so i can really live my life
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I checked my XXXX  XXXX  XXXX  and saw a hard inquiry initiated by XXXX XXXX. 

I immediately called the bank along with the credit bureaus to dispute the inquiries. The bureaus acknowledged seeing the hard inquiry done on that date above. 

I also added fraudulent alert to all my bureaus for extra protection. Despite my effort, nothing was done on any of these companies ; XXXX and all the 3 credit bureaus I would like you guys to speak on behalf of me to resolve this issue with all the credit bureaus, XXXX, TransUnion, and XXXX. 

Thank you in advance!
Product: Vehicle loan or lease

Credit acceptance, repo my sold an auction and its still trying to charge me XXXX for the car that they sold I am formally requesting clarification and verification of an alleged debt associated with my account. The matter involves questions about using security instruments or promissory notes bearing my signature and whether such instruments have been leveraged or traded without proper disclosure. I seek transparency and documentation, including original transaction records, accounting records, and written authorization demonstrating my consent for any value transfer. These actions have violated applicable laws, including the Consumer Credit Act 1974. I am also formally disputing a billing error related to my account under the Fair Credit Billing Act ( 15 U.S.C. 1666 ). There are concerns regarding using my signature to create a security instrument or obligation, which may have been traded on secondary markets without my consent. Additionally, I am questioning compliance with federal laws governing monetary transparency, including 18 U.S.C. 8 and 31 U.S.C. 5335. I have requested full accounting records and immediate cessation of debt collection efforts during the investigation.
Product: Mortgage

I have not lived at this address in over 20 yrs. When my divorce started. I moved out in 2001. I live at a XXXX for the XXXX  and XXXX. I've lived here 12 yrs. They refuse to change my address to the current one. Even though they have called me on my cell phone which I've had with the same number for 12 or 13 yrs. They refuse to update my phone number as well. I signed the deed to the house over to my ex wife 20 yrs ago. The judge ordered her to get my name off the mortgage 20 yrs ago. I have all the court documents stating everything I've told you. In 20 yrs I've never received not one piece of mail concerning the house in question. I've asked them to mail me copies of anything pertaining to the house they refuse. What more can I do. I have one credit card I've never missed a payment or been late. This whole ordeal is XXXX me XXXX XXXX
Product: Mortgage

Mortgage was XXXX % finished when an appraisal was done. During the appraisal the APPRAISER took many pictures. The appraisal came in at about XXXX against a refinancing of about XXXX. All seemed to be OK. Wells Fargo underwriter then asked about certain work to be finished " bathroom was in the process of being done. The rep said " we ca n't proceed '' unless the work is finished. I feel that Wells Fargo used the appraisal to unleash a Trojan Horse into my house to inspect ( by taking pictures ) as well as appraise. After I paid {$370.00} for this appraisal, it was used against me to negate my mortgage application. During this process, my credit score went from XXXX to XXXX. I was subsequently denied the Mortgage. I have faithfully paid this same note to Wells Fargo for ten to twelve years. I was trying to lower my interest rate from 6.25 to about 4 %. as I am approaching retirement. Wells Fargo constantly bombarded me with solicitations in the last 5 years, but when I finally " took the bait '', I was turned into a sucker. All other criteria were met or exceeded. Now that my score has been lowered, and I have been denied a mortgage by Wells Fargo, I 'm reluctant to re-apply to another company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Took a trip to california in XXXX of last year upon returning from my trip i found that to of my bank issued credit cards had been used in transactions were my card wasnt present after that i started to get a lot of strange things on my credit report names address and accounts that ive never used or had as well as open account and inquiries contacted the banks and stopped cards and accounts also filed an identity theft report online contacted all 3 credit breau and have had no luck in gettint these things take care of this is all identity theft attempts on my report name XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX places of employment and a collection from a XXXX XXXX  {$150.00} ive never done anything with this company and tons of inquires that are to many to list from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX And also XXXX XXXX XXXX ive never heard of or done anything with dont understand how they can report this fraud on my credit as if its accurate ive tried contacting them to help XXXX XXXX transunion
Product: Credit card or prepaid card

I was automatically opted into email only statements. I was waiting for the paper statement to make the payment. They only began reaching out after seven days, on a Sunday, to make me aware. I had to download the app and go through all of the settings to find the ability to opt out of email only. 

They removed the late charge and I am awaiting the removal of the late charge from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting actI XXXX XXXX  Account # 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: 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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and 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: Debt collection

The company 's name is XXXX and they're a collection agency with Bank of America. They've been calling my sister and aunt regarding my debt leaving several messages. My aunt already told them she would give me the message, but they keep calling her. Basically, they contacted a third party on more than one occasion. 

I called this morning and asked them to stop contacting my family members. They call repeatedly throughout the day and evening. 

They also stated they wanted to send a certified letter to my home between XXXX XXXX and XXXX XXXX There is no need to contact me to send a certified letter through USPS. 


I stated I wanted no more phone communication.
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 HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS XXXX. XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX. ) XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX HAS VIOLATED MY RIGHTS XXXXXXXX XXXX XXXX XXXX XXXX  XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS 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 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISHED A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

In 2018 I received a debt letter from Convergent Outsourcing. The creditor was XXXX and the client account # XXXX. I called XXXX and asked them to find more information about this debt because I've never had an account with them. They told me that I needed to give them my social to find my information. I was not okay with that because I know they don't have this information on file because I never had an account with them. I gave them the client Account # above. 

They send me monthly letters telling them they will take payments. I need them to stop. They are not reporting to any credit agency, but I do not owe them this debt and want them to stop mailing me that I do.
Product: Debt collection

I received a letter from Paragon Revenue Group about a debt from XXXX XXXX XXXX XXXX for XXXX. I have never received a bill from XXXX XXXX XXXX XXXX. I sent an email to Paragon on XX/XX/XXXX informing them this was in relation to a workers ' compensation claim and provided the Claims Manager contact information ( XXXX XXXX ). Per the Paragon letter if contacted before XX/XX/XXXX they would stop collection until they sent me information, I owed the debt. I never received anything from them. I received a notice from my credit monitoring on XX/XX/XXXX that Paragon had made a major derogatory mark on my credit report on XX/XX/XXXX. I sent an email to the Claims Manager on XX/XX/XXXX informing her of the Paragon letter and received a notice she was out of the office until after the XXXX XXXX 's holiday. I called Paragon on XX/XX/XXXX and spoke to XXXX and she said to send another email requesting them to remove the mark, and I sent the email that day. On XX/XX/XXXX, I was copied on an email from another Claims Representative XXXX XXXX XXXX XXXX and they had contacted Paragon and explained the responsible payor would be XXXX XXXX. To date ( XX/XX/XXXX ) my credit report still shows the major derogatory mark.
Product: Credit reporting or other personal consumer reports

My Information was stolen and I placed a freeze on my credit report I contacted, all three bureaus and it seem as if they ignore my request to have such information removed because the address XXXX XXXX  XXXX  is not my address nor any account or information pertaining to that address has nothing to do with me and that was In XXXX I live contacted XXXX, XXXX, XXXX for a deletion of this information as it is inaccurate. Also I filed a police report in 2023 as well regarding identity theft. XXXX XXXX, Capitol one, XXXX, XXXX, XXXX, XXXX, Current are all listed on my report and are all inaccurate information. Ive contacted them and asked to provide information and they have not so I asked to Please have these and inquiries removed and I havent gotten a response under the FCRA 15 U.S.C. 1681 et seq I am a consumer and advocate and would like this information to be removed
Product: Credit reporting or other personal consumer reports

Transunion continues to violate the FCRA laws. I have informed them that there is information on my consumer report that was due to fraudulent activity and identity theft, and Transunion is in DIRECT violation of the Fair Credit Reporting Act 15 U.S.C. 1681c-2 ( a ). I was the victim of identity theft and there are accounts appearing on my consumer report that do not belong to me. Transunion refused to remove the fraudulent information off of my report. This is HIGHLY illegal. Transunion has 4 business days to remove this fraudulent information from my consumer report.
Product: Credit card or prepaid card

Im a costumer of Discover card for two years And just find out they are taking advantage of me over charging my account with late fees when I always pay my account on time. Am not being reported late to the credit Bureau but discover card always charge me a {$39.00} dollars fee every month and its illegal for them to do so when and not late and appear to be late in the credit department, I just find out they been doing this for more than a year so I need your Help.
Product: Debt collection

I have reached out and contacted the collector on several occasions letting them know that I was a victim of identity theft and that this was not my dad Ive showed them proof of the identity theft and Other accounts apartments and phones that have been opened up in my name they agreed to settle this and delete the day yet they have put it on my credit and it shows in the negative light I would like it removed immediately this XXXX dollar is not my day to pay
Product: Mortgage

Selene Finance acquired my loan in XX/XX/XXXX. At that time, they failed to pay out my property tax funds in escrow. 

I did not know this until I started a refinance process in XX/XX/XXXX. Once I got a notice of a tax lien, I contacted Selene Finance to make sure they sent the property tax funds to the tax commission. This process took over two full months and slowed up my refinance. 

I've been unable to connect with anyone at Selene Finance on my amortization schedule. I've made 5 payments with interest since Selene acquired the loan, but for some reason, I owe more than when they acquired it. The inaccurate additional interest on my loan has derailed my refinance. 

Further, because I was in the middle of a refinance, I delayed my XXXX payment because I thought we'd be closed before my payment was late. Since Selene didn't provide accurate payoff details or an amortization schedule, I went ahead and made the XXXX payment on XX/XX/XXXX ( as confirmed my a customer service rep over the phone on XX/XX/XXXX. For some reason, that payment wasn't applied until XX/XX/XXXX and now I have a 30-days late ding on my credit report. 

It's been impossible to get in touch with anyone at Selene Finance to discuss the payoff details or amortization schedule. The property tax department failed to submit my property tax funds and then was astonishingly slow in resolving the matter.

Selene Finance has singlehandedly derailed my refinance and hurt my credit score. Unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early Warning had no permissible purpose to furnish a report on my character. I never consented or gave you any written instruction to furnish a report nor receive a response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. So, Early Warning is in violation and comity identity theft.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report to find the following item I dont recognize. I have explained the discrepancies of the Account ( XXXX XXXX ). to my records the account you are reporting on this account is unrecognizable. I would like that this be remove from my credit report immediately.