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

You do not have my permission to share my nonpublic information to unaffiliated third parties, namely XXXX, XXXX, and XXXX. 

I have the right to privacy under 15 USC 1681a ( 4 ). I was not properly informed of my right to opt out and would like to exercise that right, pursuant to 15 USC 6802. There is NO law stating that this information needs to be reported. In fact, according to 15 USC 1681 2 ( A ) ( i ), a consumer report should NOT contain " information solely as to transactions or experiences between the consumer and the person making the report ''. Also, according to 15 USC 1681 2 ( B ), the consumer report should NOT include " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ''. Pursuant to 15 USC 1602, as of being informed of my desire to exercise my right to privacy, the reporting of this information is now an unauthorized use of my social security card for which I receive no benefit. Continuing to do so would make you negligent and could further damage my reputation and perceived creditworthiness leading to more financial damages for which you would be criminally and civilly liable should I have to resort to taking legal action, pursuant to 15 USC 1681o ( a ) ( 1 ) and 15 USC 1611.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 a dispute was filed with XXXX, Experian, and XXXX regarding an account that was open fraudulently. I have contacted the creditor, creditor closed the account due to fraudulent issues. As I reach out to the experian, XXXX, and XXXX, they are refusing stating it meets FCRA guidelines. Such statement is false.
Product: Mortgage

I 'm a XXXX years old man with a mortgage with loan servicing company Specialized Loan Servicing. Because of a previous illness and financial hardship I became delinquent on my mortgage. However, my financial hardship ended but I did n't have enough to reinstate the delinquency of the loan. Thus, I applied for a loan modification but did n't fill out the paperwork correctly and got denied XX/XX/2016. I found assistance and filled out the documents providing all sources of my income. A full loan workout package was faxed to SLS on XX/XX/2016 and they acknowledged that they received the documents on XX/XX/2016 and processed the documents on XX/XX/2016. A single point of contact was assigned to the account - XXXX and he advised that the file would be sent to an underwriter for further review on XX/XX/2016. On XX/XX/2016, XX/XX/2016, XXXX, XX/XX/2016, XX/XX/2016 and XX/XX/2016 my 3rd party representative called and was told that the file was still in active review for a loan workout. A foreclosure trustee sale was scheduled for XX/XX/2016 but was postponed to XX/XX/2016 to allow SLS underwriters time to evaluate the documents. On XX/XX/2016, I was advised that a " soft denial '' was initiated in the notes due to my failure to provide federal tax returns. However, SPOC XXXX never advised that I needed to provide tax returns. On XX/XX/2016 I submitted tax returns. On XX/XX/2016, SLS said they would not allow the modification to be reviewed because they require 38 days to review documents prior to a foreclosure auction date. They said they will move forward with a foreclosure and repossession of the property
Product: Debt collection

XX/XX/2021 {$950.00} I disputed with company and credit bureaus numerous times. I advised them that I didnt go to the hospital on this date. This is not my debt. I also asked for documentation such as a copy showing my identification and signature and they both failed to comply.

Its a third party collection agency collecting on a medical debt is on violator hippa
Product: Credit reporting or other personal consumer reports

The payment details for this account are entirely wrong. Having automatic payments on my card means I can't be late. Correcting this mistake is crucial, so I'm asking for swift action to fix and completely remove this late status. Your quick attention to this matter is highly appreciated. Thank you. 
XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$4200.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX .... {$4400.00} as of XX/XX/XXXX Open. {$780.00} past due XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT REPORT INQUIRY REMOVAL I have written this letter to dispute a Credit Inquiry that is falsely listed on my credit reports. 

Company Inquiry Reported To : XXXX XXXX XXXX Date of Inquiry XXXX XXXX I am disputing this claim due to : I have no knowledge of this account. It is fraudulent and I am requesting that it be removed. I have already submitted a request for removal to the company directly more than 30 days ago, and the Inquiry is still being reported on all three of my current Bureau Credit Reports. 

This is my official request to have the aforementioned item to be deleted off my consumer report.
Product: Debt collection

I have attempted to contact this company and dispute this debt with the credit bureaus. This company will not provide me with a letter of validation that this debt belongs to me. I have asked for signed documents or the original documents for the debt. The credit bureaus XXXX XXXX, and XXXX continue to say that the debt is verified but they will not send me the validation method being used. This company also does not list an account number on the credit report. By law I am authorized to request a letter of validation with my signature or the debt has to be removed from my credit. I have not received anything from the company or the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter in regards to off base and obscure things on my credit report. Right up 'til the present time, more than 30 days after the fact, I have not gotten a reaction at this point. I feel like I'm being taken advantaged of and being disregarded. Section 611 ( a ), It expresses that inability to examine these things inside 30 days gives motivation to quickly eliminate those things from my credit report. It's been more than 30 days so they ought to be erased speedily. I request that these records be erased promptly or I will petition for case because of the pressure you have caused me. My data was additionally affected by the Equifax data breach and may have gotten under the control of some unacceptable individual.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regards to the investigation of XXXX XXXX acct # XXXX that was filed on XX/XX/XXXX and as of XX/XX/XXXX still has not received a response from Experian or XXXX XXXX. This acct is also a violation of the Statue of Limitation in the State of Florida, this acct goes beyond the 5yrs and should be deleted immediately. The last reported date on this acct was back on XX/XX/XXXX. There is no Phone number to contact XXXX XXXX because the acct was sold to a third party. That company could not verify the authentication of this account with my signature and or my mailing address. Its well over 30 days for a response and or proof of any investigation of this account and it must be deleted from my Experian credit report. Thank you!
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  all show inaccurate payment history throughout all credit reporting bureaus and for XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I havent received a 1099c a cancelation of debt. Therefore the accounts are providing in accurate information and I would like it removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 at XXXX I called TransUnion to tell them I been a victim of the inquiry issue, they gave me a hard time and would not help me with the negative inquiries reporting on my credit report. 

the inquiries were : XXXX date : XX/XX/XXXX XXXX XXXX date : XX/XX/20XXXX XXXX  XXXX date : XX/XX/2XXXX XXXX XXXX date : XX/XX/2021 XXXX XXXX date : XX/XX/2021 XXXX XXXX date : XX/XX/2021 XXXX XXXX date : XX/XX/202XXXX XXXX XXXX  date : XX/XX/2021 XXXX date : XX/XX/202XXXX XXXX XXXX XXXX XXXX date : XX/XX/2021 XXXX XXXX  date : XX/XX/2021 XXXX date : XX/XX/20XXXX XXXX date:XXXX XXXX XXXX date : XX/XX/XXXX XXXX date : XX/XX/2021 XXXX XXXX date XXXX XX/XX/2XXXX XXXX XXXX date : XXXX XXXX XXXX date : XX/XX/2021 XXXX date XX/XX/XXXX XXXX XXXX date XX/XX/2021 XXXX XXXX date XXXX XX/XX/XXXX XXXX date : XX/XX/2021 XXXX XXXX date XXXX XX/XX/2021 Thanks for your time and help.
Product: Checking or savings account

On XX/XX/XXXX, I received a letter from Fifth Third Bank, dated XX/XX/XXXX. The letter was titled " We 're Improving and Streamlining Overdraft Coverage Beginning XX/XX/XXXX'' and referenced an account ending in XXXX. I do not have an account with this bank. I contacted Fifth Third Bank the next day and spoke to XXXX. I told XXXX that this was a fraudulent account and that I had been the victim of identity theft in XX/XX/XXXX in which an unknown person had attempted to open three credit cards and did successfully open a credit card, using my name and other personal identifying information.XXXX told me that the account had been opened on XX/XX/XXXX. She began to compare the information used to open the account with my personal information and everything matched - name, address, home phone, social security number - except for the driver 's license number. As I was telling XXXX my driver 's license number, she told me I did n't need to finish as the driver 's license number on the checking account was different. XXXX told me that the account would be closed and I would be receiving a letter from Fifth Third Bank that I needed to sign and return. I then received two more letters from Fifth Third. The first was dated XX/XX/XXXX and was an Overdraft Notice for the checking account - the account was overdrawn by $ XXXX.I contacted the bank again on XX/XX/XXXX and was told the account was indeed closed. I received a Final Overdraft Notice, dated XX/XX/XXXX.
In a letter dated XX/XX/XXXX from Fifth Third Bank, I was notified that the bank had " investigated the case and have determined that the accounts were opened fraudulently '' and that I was not responsible or held liable in any way with regard to the checking account. The letter also stated that under the Fair Credit Reporting Act, I was entitled to ( but not limited to ) the application and records used to open the account. Details were given as to how to request this information and on XX/XX/XXXX, I mailed a request for all information used in the opening of the account : ( how the account was opened, information given to open the account ( including the driver 's license information ), email address used, IP address if account opened online, correspondence between Fifth Third and the fraudulent email address, transactions made with the account, etc. ). I included a notarized Affidavit of Fraud, summary of all information requested, summary of the identity theft ( credit cards and checking account ), and a police report detailing the credit card identity theft. I also included the name, address, email, and phone number of the sheriff 's deputy assigned to investigate the identity theft. I have yet to receive this information. When I called Fifth Third in XX/XX/XXXX, I was told that there was no information to provide as the information used to open the account was mine. But I know a different driver 's license was used and it does not matter if the information is mine or not, under the FCRA, I am entitled to it as a victim of identity theft.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year> Urgent Demand for immediate Correction of Inaccurate Reporting : Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on account where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have Never missed a payment on the following account : XXXX XXXX XXXXXXXX. 
I DEMAND an IMMEDIATE and THOROUGH investigation into these blatant discrepancies within FOUR DAYS, as mandated by the FCRA. You are REQUIRED TO provide undeniable evidence, such as detailed account statements, substantiating the alleged lateness of these payments. FAILURE to furnish such proof within the specified 4-day timeframe will lead to my INSISTENCE that these late payments be corrected to reflect their accurate and completeness in consumer reports. 
I have consistently met my payment obligations ON TIME and WILL NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.
Product: Vehicle loan or lease

I bought a XXXX  XXXX XXXX From a dealership called XXXX XXXX sales company, XXXX, Ohio, XXXX XXXX XXXX. XXXX phone # XXXX XXXX With XXXX miles on it. I feel like I was taken advantage of the dealor sales person.. I was just excited about getting a car loan, Very nave before you know it between the warranty was {$3500.00} the gap insurance with {$1000.00} thats low jack three-year plus XXXX warranty which I dont know {$690.00}. And other fees that is paid to a public official. Bringing the amount finance to {$22000.00}. Making my payments {$610.00} a month at 25 % interest. I called the loan company which is named Bridgecrest XXXX. Is there a number.. I wanted to cancel the additional fees that was never told to me and see if they would lower my monthly payment. they said to me over the phone that they can cancel the {$6000.00} extra fees added to the loan but it will not lower my payment of XXXX a month but if I ever pay it off by canceling the additional services I can pay the principal my main thing is I wanted to get the loan down to a reasonable amount. I thinkXXXX is a lot of money when I was totally misrepresented I do like the vehicle but its not worth the Money.. Im hoping you could do some good.. My name Is XXXX XXXX I live at XXXX XXXX XXXX. XXXX XXXX OH XXXX and my number is XXXX
Product: Money transfer, virtual currency, or money service

I Sold my bitcoin on XX/XX/XXXX and I still have not received my money. ( {$370.00} ). The website stated my sale was completed. So I sent several emails to support through their website no response. I finally found their number and I called on XX/XX/XXXX and they gave me a case number and told me it may take 3 to 5 days for someone to contact me. Today, XX/XX/XXXX I still don't have my money. I called customer service again since I did not receive a call back from my call last week. The customer representative said she could see that my ticket is still in the queue but she gave me another case number.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has been reporting incorrectly on all 3 credit bureau agencies. I have made multiple disputes with all 3 CRA and have also been in contact with XXXX XXXX on the phone as well. On Transunion this account has been reporting as open and closed multiple times thus making my score go up and down. XXXX XXXX XXXX has also been reporting incorrect balances, as well as incorrect payment dates. I have also request via multiple phone calls to have all account history ( statements, payments, repo dates, notices & repo sale bills. etc. ) sent to my address. XXXX never notified me of any sale of my XXXX XXXX XXXX  in XXXX. They have failed to update my address per multiple phone calls and purposely continued sending my notices to an address. XXXX had my most current address per the fact the car was repossessed 2 times in XXXX. Not only this but they had also sent me credit denials to my home address despite me never giving them permission to run my credit for an auto loan. Per the IL repossession law which was violated by XXXX, they are required to do/allow the following which they did not do. 

- If youve paid at least 30 % of your loan at the time of repossession, youll get a notice of redemption. This notice says that if you can make the missed payments and pay the cost of repossession within 21 days, you can get the car back. 
- Illinois repossession laws dictate that a lender must mail all borrowers of a repossessed vehicle a notice stating that you have the right to retrieve ( redeem ) your car or truck once you have satisfied all of the outstanding issues related to the vehicle repossession. 
-Illinois repossession laws also dictate for a public sale, such as an auction, the notice must include the time, date and place of the sale. The requirements of the notice are set out at XXXX XXXX  XXXX and XXXX. Other Requirements of the Notice : It must tell the debtor about their redemption rights It must give enough time to redeem or to find other buyers before the resale It must be given not only to the primary debtor but also to cosigners and guarantors It must be correctly addressed If it states the wrong information on the notice, such as wrong date or sale location, the notice is no good It must be written If the creditor learns that the debtor did not receive the notice and took no steps to correct it, the notice is no good A debtor must be sent a new notice if the sale gets rescheduled **all of which were violated*** XXXX  has violated my rights of 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ). 
XXXX furnished inaccurate information about my credit to Consumer Reporting Agencies that it knew or had reasonable cause to believe was inaccurate -XXXX  failed to promptly update and correct information furnished to CRAs that I determined was not complete or accurate in violation of 623 ( a ) ( 2 ) of the FCRA 15 U.S.C. 1681 s2 ( a ) ( 2 ) XXXX furnished information to CRAs about severely delinquent or charged-off accounts but failed to furnish Dates of First Delinquency ( DOFDs ).
Product: Mortgage

Caliber Home Loans holds the mortgage for my principal residence. For unknown reasons, and without notice or explanation, Caliber paid approximately {$14000.00} to XXXX XXXX and the State of Maryland. The property tax bill was only ~ {$2500.00}. No explanation for the egregious over payment has been provided. Instead, Caliber contends that I am responsible for its error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, under the penalty of perjury certify and affirm that all forthcoming statements are true. XXXX is violating my federally protected rights per 15 USC 1681 by reporting inaccurate incomplete and fraudulent information to my credit report that is being furnished by unauthorized and predatory XXXX party companies. I have been disputing these accounts as fraud since XX/XX/XXXX. I have yet as of XX/XX/XXXX received any proof as permissible purpose of reporting these fraudulent accounts. Every time I write to or call XXXX they claim information being reported has been validated but I have yet to receive any documentary evidence that supports the permissible purpose of this information being reported or furnished on my XXXX credit report which not only violates the FCRA but also the FDCPA per 15 USC 1692. If the companies furnishing these accounts to XXXX are not able to provide debt validation or proof that they are the original holder of the note of indebtedness that legally allows them to still be able to collect or retain the debt, then the accounts shall be deleted immediately. XXXX seems to lack impartiality as they have been claiming for over a year that these debts have been validated without permissible purpose or evidence because they are gaining financially from these unauthorized third-party companies who pay XXXX to report fraudulent consumer credit transaction history. Please see attached notarized identity theft complaint and affidavit, identification documents such as XXXX issued drivers license and my current insurance bill, as well as all police reports, FTC identity theft and fraud complaints, and CFPB complaints that have been received by XXXX and all unauthorized 3rd parties listed in the notarized affidavit and complaint.
Product: Checking or savings account

I recently closed my business account at the end of 2021 because I am closing my business. For tax reasons, I needed to have access to all of my transactions. I went online to access old accounts but it looks like once an account is closed, it completely disappears from my online vieweverything. I have called customer service for assistance and have gone into a branch and they are telling me there is nothing they can do to provide me with digital/paperless copies of statements or an XXXX XXXX of all the business transactions for the year. 

It would have been nice to have been notified at time of closing that I would be losing access to everything related to the account so that I could plan for this.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : 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 reporting or other personal consumer reports

I tried to resolve this early in 2022, and assumed the loan was real since I have two masters degrees from different universities. 
The Washington State Attorney General 's Office tried to resolve it, but XXXX refused to answer their calls and requests for information. 
When I just did my annual credit reports, I found the information is still on my TransUnion and XXXX and my complaints of it being false information last year have been deleted. 
Having just finished a XXXX XXXX  in XXXX XXXX with student loans, I called to get into the XXXX program, which is required if you have delinquent payments or charge offs/defaults. I was told I have none and needed to call the XXXX XXXX XXXX XXXX. 
I called the XXXX XXXX XXXX XXXX, and was told I've never had a XXXX XXXX loan and that XXXX is precluded from buying a XXXX XXXX loan, servicing a XXXX XXXX loan or anything else to do with XXXX XXXX. 
I was advised to file a complaint with my state Attorney General again, and to file a complaint here, also. 
It's straight up fraud. I don't have and never have had a XXXX XXXX loan and XXXX has never been my servicer. All my student loans have been serviced by XXXX XXXX, and recently got taken over by XXXX. 
I have applied for and completed the process for all my loans to be consolidated into the SAVE program. I could not do this if I had any loans deliquient, in default, or claim charged off. 
Yet XXXX is trying to collect {$1700.00} from me, through fraudulent reporting to credit bureaus. 
I have proof all my loans have been consolidated into SAVE.