23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have previously had my closing agent XXXX XXXX XXXX XXXX XXXX, submitt a complaint to the CFPB twice on XX/XX/XXXX and XXXX 2019 about FirstBank Puerto Rico 's mishandling of payoff funds and their refusal to issue a satisfaction of mortgage. I refinanced my property and had my closing agent sent the payoff to payoff my loan on XX/XX/2019, the pay off funds were sent with a note under the additional information to recipient that stated " Loan payoff for loan # XXXX, as of today FirstBank of Puerto Rico refuses to issue a Satisfaction of Mortgage and has now report me to the credit bureau. Following is an explanation of what occurred since the date I refinanced my property. This occurred in XX/XX/2019, as it is common practice by all closing agents my agent called FirstBank Puerto Rico to send the wire after having confirmed the exact amount and received the funds needed to satisfy the loan, for reasons that FirstBank Puerto Rico has still not been able to adequately explain, FirstBank Puerto Rico placed the funds in suspense rather than applying to them to the pay off. FirstBank Puerto Rico has advised that the borrower ( myself ) should have called to explain how the borrower wanted to use the funds. This is a non-sensical explanation as the total amount remitted was the exact amount to pay off the funds and therefore, there was no other place to apply the funds but to the pay off. Also, FirstBank Puerto Rico was fully aware that my closing agent had authorization from me to obtain pay off figures and send the pay off funds Two months after closing and despite having full pay off funds in their suspense account, FirstBank Puerto Rico nonetheless decided to advance funds for the borrower 's insurance. As previously mentioned, we submitted a a CFPB complaint after FirstBank Puerto Rico refused to issue a satisfaction of mortgage as required by Florida Statutes. Instead, yesterday, we received a payoff from FirstBank Puerto Rico wherein it appears that they are no longer accounting for the escrow advance but are charging per diem interest from XX/XX/2019 to date plus unjustifiable charges " recoverable advance balance '', " unpaid late charges '', " payoff letter '', " registered mail '', etc We urge the CFPB to assist in resolving this issue which was created solely by FirstBank Puerto Rico 's incompetence and further ask that CFPB to launch an investigation into FirstBank Puerto Rico 's servicing procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an investigation request to Equifax on XX/XX/XXXX. They were supposed to respond within 30 days, but have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 120 days straight with XXXX i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now. nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  i cant get aproved for anything which is casing me even more XXXX
Product: Credit reporting or other personal consumer reports

Dear Experian Headquarters, I am writing to address a critical matter that has not only caused me significant distress but has also resulted in direct financial and reputational harm. It has come to my attention that Experian reported the XXXX XXXX XX/XX/2023 inquiry on my consumer credit report without my consent. While this inquiry was eventually deleted after my dispute, the deletion itself is an admission of inaccurate reporting and wrongdoing on the part of Experian. 

I am deeply troubled by the flagrant violations of the Fair Credit Reporting Act ( FCRA ) perpetrated by Experian. Specifically, Experian has violated the FCRA by reporting inquiries on my consumer report without my consent, neglecting to conduct a proper investigation as required by the FCRA, and reporting data on my consumer report that fails to meet the standard of maximum accuracy mandated by the FCRA. 

The repercussions of these actions have been severe. My financial and credit reputation have been unjustly tarnished due to Experian 's inaccurate reporting. I have suffered both emotionally and financially as a direct result of Experian 's violations. 
According to the provisions of 15 USC 1681n, Experian is liable to me in the sum of {$1000.00} per inquiry due to its willful noncompliance with the FCRA. Consequently, Experian has been invoiced for a total amount of {$1000.00} ( {$1000.00} per inquiry ) to address the damage incurred by its actions. I demand that Experian fulfills this invoice by mailing a check of {$1000.00}. 

This matter is of extreme urgency. Experian has a period of 10 business days from the date of this letter to respond and fulfill the invoice. Failure to respond within this timeframe will be considered an admission of violating the FCRA and neglecting the obligation to fulfill the invoice. 

I am holding Experian accountable for its actions and expect a prompt and responsible resolution to this matter. I trust that Experian will take the necessary steps to rectify the violations and provide the requested payment within the stipulated time frame. 
I anticipate your immediate attention and cooperation in addressing this issue and fulfilling the invoice as demanded.
Product: Credit reporting or other personal consumer reports

XXXX XXXX two fake SSN numbers XXXX and XXXX are under pending investigation with XXXX XXXX . Stole my identity with XXXX  loans XXXX and you admitted as so did XXXX and Early Warning under routing number XXXX account XXXX naming Michigan and Florida banks ( I've never lived in Florida ) listed dispute case XXXX consumer ID # XXXX and as XXXX  informed me to go make police report about Forgery is XXXX det. XXXX XXXX XXXX you said it was XXXX XXXX that cash the two XXXX  checks. I got over 20 years of SSI and mortgage payment owe to me by XXXX  all withheld illegally. Now I discovered under the above account you intentionally have the wrong DOB listed as XX/XX/year> and you verified me everyday so is yourself committed fraud. Please don't lie and say this is a duplicate and conduct a thorough search and connect me to the over XXXX worth of money I have there at XXXX and report back to me every account I have with XXXX  as today I will Walk into a Branch and produce my State identification.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Citibank for Unauthorized Credit Inquiry Dear Consumer Protection Agency, I am writing to file a formal complaint against Citibank for conducting an unauthorized credit inquiry without my knowledge or consent, which has negatively impacted my credit score and jeopardized my ability to purchase a home. 

On XX/XX/2023, I discovered that Citibank had closed my account without any prior notice. I immediately contacted their customer service department, and the agent acknowledged that this was a mistake and assured me that the account would be reopened. During this conversation, I explicitly stated that I was in the process of buying a house and did not authorize any credit inquiries. 

Despite my clear instructions, Citibank proceeded to conduct a hard inquiry on my credit report. Upon discovering this in XXXX, I contacted Citibank again, and the agent confirmed that the inquiry was a mistake and would be removed by the end of XXXX. However, as of today 's date, the unauthorized inquiry remains on my credit report. 

This unauthorized credit inquiry has caused me significant financial harm and emotional distress. I am deeply concerned about the impact this will have on my ability to secure a mortgage and purchase my first home. 

I request that the XXXX XXXX XXXX investigate this matter and take appropriate action against Citibank for their negligence and disregard for my consumer rights. I further request that Citibank be compelled to remove the unauthorized inquiry from my credit report immediately and compensate me for any damages incurred as a result of their actions. 

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

I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get a job, apply for an auto loan, apply for a credit card, or even get an SBA loan for my business. Under this crisis of Covid 19 you have hurt my ability to obtain credit. On XX/XX/2022 I attempted to submit a dispute for negative items on my credit report. I submitted my documents to identify myself and used certified mail to ensure the arrival of my dispute letters. I submitted a follow up letter on XX/XX/2022 and on XX/XX/2022 to comply with my demands so that they see I reached out to the consumer financial protection bureau and other agencies for their assistance in this issue.
Product: Credit reporting

MCA Mangement CO, is reporting a debt that is beyond the seven year statue and they refuse to remove it, this is not the first time this company had incorrecty reported information under my SSN, the also incorrectly reported a XXXX that allegedly occured in XXXX that was removed, these XXXX debts appeared on credit report at the same time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian 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 customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Experian ) is 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. '' ( Experian ) thefinancial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Experian ) 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 of how the consumer can exercise that nondisclosure option. '' ( Experian ) 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 1681s2 ( 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 1681e 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. XXXX and Experian are not maintaining 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, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX0. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Delete From My CREDIT REPORT XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Delete From My CREDIT REPORT
Product: Checking or savings account

I have had fraud on my edd account in the amount of {$23000.00} I first applied for our and nothing happened and it was too much a hassle so I went out and gained legit employment at XXXX XXXX Covid pandemic caused hours to be cut at XXXX and I was let go. At that time I immediately applied to get my unemployment benefits. That is when I found out that bank of America sent a debit card in my name to XXXXXXXX XXXX XXXXXXXX XXXX # XXXX XXXX CA XXXX. I have never known this address nor is it associated with me. So while I was certifying every 2 weeks the people who live at this address were busy spending my edd benefits. B of A has had my money froze since XX/XX/XXXX when the closed the account. I found out about all this in XX/XX/XXXX. Thats is my money and now bank of America c a is telling me that I am responsible for this money. They gave provisional credit to me and debited it back out within one hour. This is crazy and is now causing unbelievable hardships. I've had a XXXX XXXX and be hospitalized 3 times as a direct result from the stress of all of this. I need to get my rightfully due benefits immediately. I no longer have my benefits sent to a incompetent and of America I get paper checks directly. Give my money back bank of America. Now
Product: Payday loan, title loan, or personal loan

Company keeps calling everyday asking for a XXXX XXXX. Ive informed them it is wrong number but continue to call every day leaving harassing messages. Ive never had any loan or businesss dealings with this company.
Product: Mortgage

On XX/XX/XXXX I made a {$1000.00} principal payment on my Mortgage at the XXXX PA branch of Santander. The teller processed it correctly, and my receipt clearly states " principal ''. I expected the payment to be posted on XXXX, the next business day, but it did not adjust my principal balance. Their app shows they accepted my {$1000.00} payment, but it does not state a Principal payment, and it is not credited towards principal, interest, or escrow. My balance on my Mortgage did not change at all. On XXXX I contacted the bank through their website with no reply. On XXXX and XXXX I emailed XXXX XXXX XXXX, the branch manager in XXXX, who said she would contact the " mortgage company '' but I have not heard a reply. On XX/XX/XXXX I emailed XXXX XXXX, a customer service assoc in Santander 's Executive Offices, who said she would forward my concerns to their mortgage servicer. Apparently, XXXX doesn't care, because they have been contacted at least three times regarding this situation and have not replied at all.
Product: Credit reporting

Equifax IS NOT stopping XXXX Funding from improperly and illegally showing a collection action that DOES NOT exist, and that was already remitted before they purchased a BULK File from XXXX. 

XXXX and Equifax , HAS BEEN notified in Certified and Traceable Mailings to Cease their negligent, Willful, and Illegal activities, but they have refused to correct the errors and STOP XXXX from using their services.
Product: Credit card

I saw a Capital One credit card had been opened under my name on XX/XX/year>. I can confidently say that I did not open this account and took appropriate measures to dispute it when I saw it on my account. I disputed it on XX/XX/year>, after it had shown on my credit score via the XXXX XXXX website. I followed up with XXXX on XX/XX/year> to gain knowledge of where my disputes status was at. XXXX declared my dispute invalid and the rep, XXXX, recommended I come to the CFPB and FTC to re-open the claim and prove it was not me. Not once have I looked at a credit card from Capitol One. The only two cards I knowledgeably opened are through XXXX XXXX and XXXX XXXX. Since the card has been opened, there has been absolutely no usage from it. I am a frequent credit card user and use my cards almost every day.
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. 
Account name : 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 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

I received XXXX text messages saying that XXXX sent a debt to a debt collecting company called Credit Collections. After XXXX of those messages, my info was sent up to the credit bureaus. I actually assumed that those text messages were spam as I didnt have an active account with XXXX since XXXX. I reached out to my identity theft protection team to see if they could help me figure out where this bill came from. They setup a conference call with the collection company as I was unable to get concrete details when I called. Upon speaking with a representative, it was discovered that someone in XXXX, GA setup an account with XXXX for auto insurance for a XXXX XXXX XXXX from XXXX - XXXX. It appears that they kept everything corny until XXXX. It went delinquent and then eventually to collections in XXXX. They reached out to me via text to collect the debt ( no other communication ) in the middle of XXXX and because I had no bills or no other info, I again assumed it was spam. Well, the debt company sent it up to the bureaus in XXXX. I live in XXXX, KY and have never lived in GA any of my life. 

Additionally, I have a leasing bill of XXXX that another bill collector has that came from a XXXX, GA address. I am also working to resolve this issue as well. 

Going back a step, this is how I discovered I was a victim of identity theft. In XXXX of XXXX, I got a XXXX XXXX bill in the mail in which I discovered was fraud. I took the necessary precautions and got the bill handled and put fraud alert and credit freezing on my accounts. However to no avail, Im still getting new accounts with ny ssn that I didnt open.