23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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.US Dept of Education Account XXXX XXXX XXXX XXXX Dept of Education Account XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, Account XXXX XXXX  Account Number XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX, Yes XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number 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. 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

I am writing to address an issue regarding my credit report. It has come to my attention that a number of creditors have accessed my credit report without my permission, or without my knowledge of your company being involved. According to the Fair Credit Reporting Act, creditors have an obligation to provide me with a notice before accessing my credit report or making a decision based on it. 

I would like to emphasize that I did not authorize these companies to access my credit report, and I never given permission for these creditors to be on my credit report or access my credit information. As a result, I kindly request that you remove any information regarding these companies from my credit report immediately. 

I understand that under the Fair Credit Reporting Act, derogatory information can remain on my credit report for up to seven years. However, in this case, since your company accessed my credit report without my consent or knowledge, I believe it is unjust to have this information on my report. 

I expect prompt action on your part to rectify this situation. Please provide me with written confirmation once the unauthorized information has been removed from my credit report. Additionally, I would appreciate a detailed explanation as to how this unauthorized access occurred and steps taken to prevent such incidents in the future. 


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: Debt collection

I am writing to report a violation of the Fair Debt Collection Practices Act ( FDCPA ) by XXXX XXXX XXXX on XX/XX/year>, I received multiple voicemails from this agency attempting to collect an alleged debt. The voicemails stated that if I did not respond within XXXX hours, they would send the sheriff to my address. This is a threat and an intimidation tactic that is illegal and unacceptable. 

Specifically : * The agency is threatening to send the sheriff to my address without verifying that I am the correct person responsible for the alleged debt. 
* They are demanding that I provide my date of birth to verify my identity, which I am unwilling to do. 
* My family members also received these threatening calls and became scared due to the agency 's aggressive tactics. 

Desired Action : I request that you investigate this matter and take appropriate action against XXXX XXXX XXXX for violating the FDCPA. I also request that you require them to cease all contact with me and my family members until this matter is resolved. 

Additional Comments : I believe that there must be better ways for debt collectors to collect debts than using fear and intimidation tactics. I hope that your office will take this complaint seriously and take appropriate action to protect consumers from similar violations. 

Thank you for your attention to this matter. I look forward to hearing back from you soon.
Product: Vehicle loan or lease

Non stop emailing me about payments. Days before the payment is due and every other day until the due date. If I tell them to stop emailing me then I get a cease and desist on my file and can't correspond at all with them. It's undue stress.
Product: Debt collection

XX/XX/XXXX To Whom It May Concern, The reason for my dispute is COLLECTION SERVICE CENTER INC. # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, COLLECTION SERVICE CENTER INC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 )  COLLECTION SERVICE CENTER INC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX, XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under FDCPA.XXXX v. XXXX  XXXX XXXX ( Tex.App-XXXX XXXX XXXX XXXX. ) XXXX v. XXXX XXXX XXXX XXXX ( Tex.App-XXXX XXXX XXXX XXXX XXXX XXXX ) I also believe that this business is not registered to operate in the state of OHIO. I expect this collection account to be removed from my credit report.COLLECTION SERVICE CENTER INC has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, Transunion signed for a letter regarding a dispute with XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX  The letter was signed by XXXX XXXXXXXX On XX/XX/XXXX Transunion signed for a letter regarding a dispute with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX The letter was signed by XXXX. XXXX XXXX at XXXX XXXX called Transunion to inquire about these. 2 items. I was sent to 3 different agents who informed me they have no record of these letters, and therefore no record of the dispute. They refused to remove the items from the report despite proof. and signatures. 

I provide them both with legitimate Tracking numbers. Yet they say they can not respind for at least another week. This is unacceptable., Regardless of whether Transunion has a record of either of these letters, they are now in breach of the process.. Both of these are over 30 days old, and they have identified that they have no record of receiving these letters. 

According the FCRA - I am requesting that these be removed immediately from my credit report. 

Also the fine for these items not removed is {$1000.00} for each offense FCRA Part ( A ) ( 5 ) ( B ) ( ii )  The Transunion representative said that they are not responsible for removing these items, However,, under FCRA Part ( A ) ( 5 ) ( B ) ( ii ) their process is not my problem, I have the signatures on the letters - they are now in breach of their responsibility for both of these items. 

In addition, their website is not working properly getting nay kind of status results in an error This has been going on for over 2 months and they have not fixed it.. 

The date started the date of signature these are now older than 30 days.These disputes as of today XX/XX/2020 are 40 and 35 days old respectively.
Product: Debt collection

I enrolled in school and never attended for XXXX. I contacted the school several times and was told everything was okay. I now on my credit report have not XXXX but XXXX collections that were turned over for a school I never once attended any classes in. I have disputed via my credit reports and can not seem to make any progress with that. But the account is not mine let alone now XXXX of them showing.
Product: Vehicle loan or lease

My private information such as social security number to obtain another lease. I turned in my old lease in XXXX and and took out another which is listed already, but as of yesterday a new account has shown up in my credit. XXXX Honda finance is committing fraud with my SSN
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Account # XXXX opened on XX/XX/XXXX is listed as current when it is closed and it is also listed as legally paid in full for less than the full balance, when in XXXX of XXXX I paid off and closed the account with a promise that the account would be deleted. The account was deleted until I applied and was approved for a card on XXXX XXXX XXXX. I applied for a card with Capital One knowing I was in good standing. So after a year and a half Capital One decide to put this negative account on my credit report for some unknown reason. Im asking that this info be corrected.
Product: Mortgage

My name is XXXX XXXX my husband gotten a VA loan 30 years ago, he passed away in XXXX I paid my mortgage faithfully for approximately 30 years then I had to refinance it when he passed away, well it was sold the mortgage from XXXX to Bayview mortgage company I fell behind on my mortgage because I was hospitalized during the XXXX outbreak, then my mortgage was sold again, to new mortgage company I called talked to them and they had me fill out paperwork for basically to take payments I was behind on and put it in the backend of the loan I was told, ,well fee months later I find out they sold my house out from underneath me, now I'm basically homeless, I was told many things by the new company and never happened,, especially when I was hospitalized during the XXXX outbreak, is there anything I can do I tried everything but no help from anyone, sincerely mrs XXXX XXXX ,my contact number is XXXX.
Product: Checking or savings account

On XXXX XXXX, NFCU took out money from our joint account without authorization. When asked what happened, it was in regards to an credit card that was charged off that we didnt get any notifications of pertaining to it being charged of. So upon calling to settle. We agreed to settling the amount but instead of returning the full XXXX that they took off they only returned a portion and kept XXXX. We were given no choice but to agree even if we explained the hardship. This didnt end here. On XX/XX/2022. Once again they took money from our joint account without any authorization or notification. They took out XXXX. And left us with absolutely nothing. We begged them and pleaded for them to give back our money, as this was for our mortgage payment. After settling the second charge off for another credit card, once again they decided to only return half which is XXXX of the XXXX. They had no remorse on doing so, but instead questioned us on our activities in the accountwhich now got very personal. After explaining confidential information for them to consider returning money they they werent authorized to take since there were no notifications or warnings pertaining to these charged off credit cards, they pretty much told us we have no choice but to agree with the settlement. There were no negotiations. Only their side was considered and not our circumstances. The manager even stated that we should be thanking them for even giving back half. These were my debts. And the account was under my spouse but when I acquired these debts we werent married yet. And now shes suffering because navy fed is neglecting to follow the rules of communicating properly and doing unauthorized adjustments on our account
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate 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
Product: Credit card or prepaid card

There are inconsistencies with the method that AMEX uses to charge late fees and interest. 
I have paid my bill in full consistently at the end of every month for 18 years with AMEX. This year they started charging late fees and interest in XXXX. When I spoke to the company, they explained that my payment is an advance payment for the coming month. 
This is incorrect because my payment has always been applied to cover the charges made in the last month. 
For some reason, starting in XXXX of this year, my payment was considered to be an early payment for the coming month, which made my payment for the past month late every month. This sounds very confusing and deceiving to me, and still don't fully understand it. 
Again, this problem just began in XX/XX/2020. Up until then I had no problems with late fees or interest.
Product: Debt collection

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency the Written permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY! 


To whom it may concern : I am officially asking you to review your data on file for me! Per 15 U.S. Code $ 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 identity theft, no later than XXXX business days after the date of receipt. 
It has been XXXX  days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel like someone has access to my credit information because every bank institution I made an account for, eventually my account would go overdrawn and then just stop working. I never knew what was behind my information but it is very scary and inconvenient. Someone has been frauding my accounts for the past two years and it XXXX because now I cant use any banks right now because of my bad false consumer reports. 

On XX/XX/2017, my XXXX XXXX account got frauded and it definitely was not me. {$110.00} was took from me. 

I don't remember the exact date but it was around 2 months ago, my Bank of America account got frauded. Someone was depositing {$5000.00} checks into my account twice. Once I logged into online banking and saw {$10000.00} I went to the bank to ask them what was going on. By the time I arrived at the bank they said my account will be in foreclosure. I reeally need help with trying to open up an account. It is really depressing my credit score, reports are messed up and it is affecting my life negatively. Can you please help me.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Goldman Sachs, provided to CFPB falsified information on a prior request regarding it's noncompliance with making funding readily available within a five day period when deposited as cash. 

Goldman Sachs is not following it's own banking regulations and policy regarding making funds available for transfer to another bank within a 5 day period to account for holidays. 

The bank has chosen a ten day period. 

Gold Sachs and it's cohort Apple Pay and Apple corporation are not engaging in retaliation for filing the prior complaint as I was denied an apple pay with a XXXX credit score. 

I am XXXX  and that I believe is also part of the reason... 

Also please read prior response from Goldman Sachs to verify what I am saying is really true.
Product: Credit card

I am writing to file a formal complaint regarding an ongoing issue with my XXXX Credit Card ( Account ending in -- XXXX ) and XXXX XXXX Credit Card ( Account ending in -- XXXX ), both managed by Comenity Bank. 

Despite multiple attempts to resolve this issue with the bank, I have been unable to get a satisfactory response. I reported both of these cards as stolen, and I contacted Comenity Banks customer service on numerous occasions, yet I am still being held responsible for the balances. Additionally, all XXXX stores have closed, and I believe this is causing confusion with the handling of my account. 

These accounts were reported to my credit report in XXXX and still reporting as active/ open and its XXXX  I do not agree with the claim that I owe money on these accounts. I have already received statements from Comenity Bank, but providing statements is not the proof I am looking for. I am requesting the following from Comenity Bank : XXXX that I owe the money.- Meaning search for your recording calls from me on your company phone system that i reported. 
Removal of these accounts from my credit report if they can not provide sufficient evidence. Despite having contacted Comenity Bank multiple times, my concerns have not been addressed, and I continue to see these accounts reported negatively on my credit report. 

I respectfully request that the CFPB assist in resolving this matter and help ensure that Comenity Bank either provides proof of the debt i reported this to your company on a recording call with your customer service representative or removes these accounts from my credit report. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting inaccurate account information to my consumer credit report! My mortgage payment with CALIBER HOME LOANS is not delinquent. Caliber home loans deliberately posts payments 40 days late. Caliber home loans doesnt communicate with their own in house credit department that they are behind in posting payments which leads to erroneous and inaccurate payment information being submitted to the credit bureaus. I called 2 weeks straight! XXXX in single point of contact hung up on me. Caliber home loans does not help the borrower.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have tried to correct to correct the inaccurate, incorrect and misused information on my profile multiple times, and this company refuses to correct and tells me its verified. I have shown proof information is all inaccurate and still they claim its verified.
Product: Credit reporting or other personal consumer reports

I filed a dispute on IQ DATA INTERNATIONAL due to potential identity theft and having no knowledge of this location.XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company, XXXX. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. Im requesting this derogatory remark to be removed immediately as its affecting my chances to purchasing a home. XXXX violates my rights as a consumer, as well as federal laws.
Product: Mortgage

Good morning. Back in  XXXX  I became unemployed and was experiencing difficulties in making my mortgage payment. I attempted to modified my mortgage on various occasions with my mortgage company. Finally in   XXXX   XXXX   XXXX   they offered me a " streamline  XXXX   XXXX  and I started making payment of {$670.00}. Later they stated that I did not qualify. I applied to to modify again in   XXXX   XXXX   and was granted  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .     The problem I am having is as follows :  1 )  Every year since  XXXX  my escrow account is short by a significant amount of money. They spread the shortage over a period of  XXXX  years. I call for explanation each and every time I receive the notices they can never provide me with a straight answer. I an aware that my escrow account can vary depending on my taxes & insurance. However I have reviewed my taxes & insurances and the increase over the years have not been so high.      2 )  When I modified in   XXXX   my unpaid principal balance was {$86000.00}, and my  XXXX  was {$640.00} with a maturity date of   XXXX   XXXX   XXXX  . In signing the documents they include a " Balloon Payment Disclosure '' of {$51000.00}. I called and asked if this was in addition to my original principal balance of {$86000.00} they said NO. It would not of made any sense for me struggling to pay {$86000.00} to incur an additional {$51000.00}. I have even requested a payoff to make sure that this amount is not part of my balance. In addition my husband called mortgage company on   XXXX   spoke with rep ID #  XXXX  and he stated again that he does not see any balloon payment on our loan. My greatest fear is to LOOSE my home which I have been struggling to pay because of my mortgage company mishandling our account.     If you can please HELP me with these issues as every time I reach out to my mortgage company I get a rep that does n't have a clue and are unable to clearly explain solutions to my concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I spoke with a representative from Experian 's fraud department who indicated that Experian is continuing to decline honoring my police report due to their internal policy. I was also told that the creditor does not send Experian a letter in writing to remove the fraudulent information, it would remain on my credit for up to 7 years as it was " verified '' by the creditor with my name and social security number, that clearly has been breached. 

Therefore, Experian continues to willfully report fraudulent information on my credit and it is causing me financial harm and distress. The account from XXXX XXXX is fraudulent. The account number is XXXX, This account is detailed in my police report that was sent to XXXX. This is a direct violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX