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

In regard to items, Account number XXXX According to the Fair Credit Reporting Act 15 USC 1681 Section 602 states There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's rights to privacy. Equifax, XXXX, and XXXX XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) a financial institution by definition under that title.

15 USC 1681, section 604 a section 2 states that In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation on how the consumer can exercise that nondisclosure option. ( Furnisher of information to credit agencies ) never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission, Which is against the law. 15 U.S. Code & 1681s-2 ( A ) ( 1 ) A states 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. 15 U.S. Code & 1681 e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintain reasonable procedures. Also 12 CFR & 1016.7 states that A consumer may exercise the right to opt out at any time. 
I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I have asked for records that have been provided to the credit bureaus. Credit Karma third party application, XXXX, XXXX all have had report that the Mortgage was reported as paid off in full and the account is closed. I am requesting that all the accounts be reported as closed, proper assignment of the note and mortgage have not been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud.Pursuant to Section 605B of Fair Credit Reporting Act these unknown items must be deleted : XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX
Product: Credit card or prepaid card

Last Month XX/XX/XXXX I was made aware for the first time that I was enrolled in a Citibank Debt Protection XXXX XXXX. I called and was horrified to learn that for over 20 years I have been paying for an insurance add on that I never enrolled in. The total amount of the fees from XXXX to today was {$14000.00}. I do not have the total from XX/XX/XXXX to XXXX but can only assume that is well into the thousands as well. I have called Citibank and all their affiliate ( XXXX  - better known as XXXX XXXX XXXX ) about these charges and each one keeps telling me I need to contact the other. I want a complete refund starting from XX/XX/XXXX to XX/XX/XXXX for all the fees I paid. Looks like Citibank was fined and paid out XXXX XXXX to customers. I was not one of those customers. I feel physically ill learning I was deceived and frauded for over 20 years. Please help me address this matter and begin to have trust again in the American Banking institutions. Thank you.
Product: Credit reporting or other personal consumer reports

The FDIC gave XXXX XXXX XXXX a consent order in 2023 saying the bank participated in unsafe and unsound banking practices relating to fair lending laws and XXXX XXXX XXXX failed to establish and maintain internal controls, information systems, and prudent credit underwriting practices ''. I am a VICTIM of these unsafe and unsound lending practices. This account is not mine and needs to be removed ASAP. 

I have attached the FTC identity theft report here. I have notified BOTH XXXX AND Transunion multiple times stating that this is NOT MY ACCOUNT and it still remains on my credit report. 

Both XXXX and Transunion are in VIOLATION of 15 U.S. Code S 1681c-2. " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, no later than 4 business days after the date of receipt. '' It has been MORE THAN 30 days and you are in VIOLATION of this law because I am a victim of identify theft. Please delete these items IMMEDIATELY.
Product: Mortgage

Contacted my mortgage company today to have payments deferred as per NYS mandate since I am out of work. They said they are not participating. 
Carrington Mortgage Company
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently looking at my credit report and I noticed a bunch of negative Inaccurate information on my report I disputed this information with the bureaus XXXX equifax XXXX. It has been over 60 days sense I sent those letters out containing where I want investigated and removed I still have not heard anything from either one of them. Ive been more than patient due to Covid in the election going on. I sent these letters on XX/XX/2020 Im reaching out to the CFpb to get this done please get this done
Product: Credit reporting, credit repair services, or other personal consumer reports

I came across a bankruptcy on my credit report that was not fully verified. I disputed on XX/XX/2021 this information to TransUnion and they claimed that it was verified XX/XX/2021. I asked for a description of procedures along with the source who provided them the information. On a phone call XX/XX/2021 they refused to provide the source other than stating that the courts hired a third party to verify the Information. Before filing the dispute I reached out to the court house and they responded to me in writing stating that they don't provide any information to credit reporting agencies or third parties and that they are unaware of how credit reporting agencies get there information. I also provided to the courts an Affidavit of facts that was notarized because I didn't authorize the release of any personal information. I then went on TransUnions 's website and came across XXXX and XXXX is the vendor for public records in which TransUnion records. Problem is, if TransUnion did a proper investigation from XX/XX/2021 dispute then they would have realized that XX/XX/2021 XXXX removed the alleged bankruptcy because it was unverifiable. On XXXX 's website it states " TransUnion, not XXXX, matches bankruptcy information to the TransUnion consumer credit files. '' XXXX trying to understand why TransUnion would tell me that the court house hired the third party? How can TransUnion trust this information if XXXX hasn't verified this XXXX before selling it to TransUnion? I want to make TransUnion aware that they must fully understand by law that they must fully identify anything they get from a reseller or vendor. This not only includes the name and address but it must include date of birth and full XXXX dight social security number. The FCRA also states that a bankruptcy may be on a consumers report up to 10 years but it never stated that it must be on a consumers report. Lastly I pulled a XXXX  report with the docket number provided on the consumer report and it lists incomplete information which makes the report unverifiable by not listing all 9 dights of the social security number and does not have any report of a birthdate making it unverifiable. In this complaint is attached of all the evidence that TransUnion should have investigated but they failed to do so because they would have to delete the bankruptcy that they erroneously reported.
Product: Debt collection

This person has called me and my family numerous times threatening to come to my place of employment and to take me to jail if I did not comply with their debt collections.
Product: Credit reporting or other personal consumer reports

Hello i recently look to my credit report and i was shocked to see that i have been victim of identity theft, i found on my credit report fraudulent account, that i want to dispute, i am in the process to buy a new car but this fraudulent information harm my credit report. 

XXXX XXXX : opened XXXX XXXX, 2023 CAPITAL XXXX : Account number XXXX CAPITAL XXXX : Fraudulent Charges {$2900.00}
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

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
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I emailed to revoke my ACH and let them know I wanted to create a payment plan. XXXX responded that same day and said my account had been noted. There was still a deduction on XX/XX/XXXX. I emailed to inquire. XXXX said " Your account is noted for no ACH payment. We will not process any ACH payments. '' When I asked why they still had processed a payment on XX/XX/XXXX XXXX said it was not an ACH payment. I was informed it was a debit payment. 
I let them know that I did not authorize and further debit payments either. 
There was no deduction on my following payday of XX/XX/XXXX. However, there was a deduction made from my account again XX/XX/XXXX. I will be filing a fraud claim with my bank as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

The incorrect accounts was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to fixed immediately : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Mortgage

We bought our house through XXXX VA loan ; they sold loan to Ocwen. We sold this house in XXXX XX/XX/2014. Ocwen sent me XXXX final checks totaling {$3500.00}. I did not cash them in time ; they were void after XXXX days. When I called to have them reissued, Ocwen told me that I am no where in their system. I faxed them copies of the checks with my loan number on the checks & Ocwens name. They said they ca n't reissue because they ca n't find me. They also said they ca n't send me my XXXX because they ca n't find me in system. They told me they had a system change over in XXXX XX/XX/2014 & I 'm lost in system???? They have given me no solutions. What do I do?
Product: Mortgage

After weeks of no response. We finally received communication via a chat site. Mr. Cooper has increased my escrow by XXXX XXXX  per month for taxes. Trying to explain to them that I am a XXXX XXXX  and have no tax bill. They were mistakenly sent a tax bill from the county. Which I sent a check and paid. Now they are preparing for next year 's taxes ( that don't exist ) by charging me the extra fee. 
So unprofessional that I can not speak to them by phone to work out. As a retired XXXX XXXX and XXXX XXXX I am professionally embarrassed for them. 
Need help!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act and XXXX  XXXX XXXX XXXX  : XXXX has violated my rights, 15 USC 1681 section 602 A states I have the rights for privacy, 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) opened on XX/XX/2020.
Product: Debt collection

XXXX Open balance RADIUS GLOBAL SOLUTIONS LLC Original creditor This is all that shows up in my credit report. It's on XXXX only. No address no phone number no original creditor no information nothing sent to me. I have no idea what it is.
Product: Credit reporting or other personal consumer reports

I have been getting this message from Experian since XX/XX/year> : " Sorry, we can't show you today 's report. This might mean that your lenders have different personal info for you than we do. Until this issue is resolved, you won't be able to see your report ''. My report has not been updated since XX/XX/year>. I have spoken to them. I have uploaded my proof of identity and proof of residence at this link : XXXX XXXX XXXXwww.experian.comXXXX XXXX I am still not able to access my Experian credit report. I need this issue fixed so I can see what is on my report.
Product: Credit reporting or other personal consumer reports

XX/XX/year> asked for proof of late payments XX/XX/year> sent certified mail a request to for late payments on my account XX/XX/year> asked Curacao via certified mail to get a updated record of payments and get late payments taken out XX/XX/year> via email asked for the updated dispute for prior request of proof of late payments and erroneous reporting of late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/2023 Dear Credit Bureau, I, XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following item and the account was to be removed from my credit report by your bureau. It is showing inaccurate and still reporting negatively. According to the Fair Credit Reporting Act, legally the following incorrectly reporting items must be removed. I have already contacted the companies, and they did not have any of my information on file. 

The following items should be removed immediately : Party Owed : XXXX XXXX Type of Business : Credit Card Account Number from Credit Report : XXXX I am disputing this claim due to having the aforementioned item deleted off my credit report by XXXX XXXX XXXX XXXX and Experian.
Product: Vehicle loan or lease

Had loan 4 months sent 1st payment 1month early. 
Example : first payment due XX/XX/XXXX I aent this payment in XXXX Payment and overage was applied to principal. 
I called in to advise them All monies is to go toward monthly payments. 
Each month i have to call in To reallocate my payments Because its not being done.Im told weekly its being done and nothing now it shows pass due but thats incorrect. Speaking to different representatives all of them says... They are sending the request in thats all they can do XXXX even was threatened with repossession. They are getting aggressive with me because I keep calling.Ive spoken to 2 managers and requested for their Supervisor and again Im informed they are submitting the request..I just want my payments applied correctly.
Product: Debt collection

I currently have a debt for the amount of {$2300.00} with  Discover Credit Card Services. I called Discover  at  XXXX  to inquiry about this debt. I was provided this fake phone number  XXXX  and was unsuccessful in communicating to the agents who would provide the necessary information to start paying this debt.
Product: Credit reporting or other personal consumer reports

I value my credit a lot and the inaccuracy in my report has negatively affected my financial opportunities as well as my mental health
Product: Credit reporting or other personal consumer reports

My account with XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( 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. 


XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX  Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX  Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX  Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX ( Original Creditor : 08 XXXX XXXX XXXX ) Account number : XXXX XXXX XXXX Account number : XXXX XXXX  Account number : XXXX XXXX Account number : XXXX has violated my rights. 

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

15 U.S.C 1681 section 602 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

My name is XXXX XXXX and my report is not accurate. I disputed inaccurate accounts more than 30 days ago
Product: Debt collection

I never received written notification about this outstanding debt. Under section 605b of The Fair Credit Reporting Act ( FCRA ) both the credit reporting agencies ( CRA ) and the furnishers ( creditors, debt collectors, and other companies that reported that information ) are responsible for blocking that information from appearing on a victims credit reports. I am a victim of identity theft.

1. Bank of America acct. # bal. {$5000.00}
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/1998 ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I do not recognize any of accounts as reported. I do not recognize any of those accounts as reported. those accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

After suffering an incident of identity theft, I placed a fraud alert on all three credit reporting agencies and froze my XXXX XXXX file asking any potential creditors to call me to verify my identity before pulling my credit reports. However, XXXX XXXX XXXX did not call me to verify my information before running my credit, a violation of my rights as consumer. I have reached out to the reporting agencies several times to have the unauthorized inquiries removed from my credit reports. However, each time I was told they verified the inquiry. I have also attempted to speak to someone at XXXX XXXX XXXX to no avail as well. I never consented for anyone at XXXX XXXX XXXX to access my credit files nor was I contacted by XXXX XXXX XXXX to ensure they verified the identity of the person authorizing the inquiry. For these reasons, I respectfully request the inquires by XXXX XXXX XXXX be removed from all of my credit reports. Please see below for which inquires I am requesting to be removed : XXXX:XXXXXX2016 and XXXXX.2016
Product: Debt collection

After repeated calls that went automatically to spam, I called back Kia/Hyundai finance at XXXX. I informed them that I have never owned a car, let alone a XXXX. I asked them to confirm that nothing was registered in my name. They confirmed this. I asked them to remove my number. They did this. Around 2 weeks later, they began calling me again. This debt is not in my name, associated with me in any way, is not part of identity theft or anything of the sort. They just won't stop calling me.