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

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. The following personal information is incorrect Account Number : XXXX XXXX : XXXX XXXX XXXX # XXXX  NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Misleading False Reporting These accounts are negligently and inaccurately reporting failing to comply with 15 USC 1681.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
Product: Credit reporting, credit repair services, or other personal consumer reports

The company Experian erroneously said that I asked for XXXX child support accounts to be removed which I did not! I requested that they update the monthly payment amount. Experian has my monthly payment of over {$47000.00} per month therapy making my debt to income ratio inaccurate. My monthly payment for the accounts are only {$300.00} not {$40000.00}. I simply want my payment amount that is arranged by the court of law is law to be corrected. I provided the court order of the arranged payment amount which explains which experience is not showing accurately therapy violated is thereby violating the laws of FCRA. 
, ,Experian shows my Monthly Payments is {$47000.00} which is {$570000.00} per year on my credit report. 
There is no possible way that I make monthly payments of that amount or even be charged that amount when I have a legal payment arrangement of the actual payment. Experian is ruining my credit and reputation by stating that I have that amount of payments per month. I have provided PROOF form the furnisher that I pay {$300.00} per month on these accounts through a legal court order. The furnisher even told me that they told Experian these facts however Experian REFUSES to reflect the legal paperwork that was supplied to them by me AND the furnisher. Please update my credit according to the FCRA. If a consumer reporting agency ( EXPERIAN ), or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court. The costs of an Experian credit report error in my case include : 1. A lower credit score 2. Higher interest rates for your credit card, private student loans, and home mortgage 3. Higher insurance premiums for your home and car 4. Loss of a job opportunity 5.Denial of loan and credit applications I am confused as to why Experian would just update my CORRECT monthly payments?
Product: Payday loan, title loan, or personal loan

I did the most foolish thing ever and borrowed {$300.00} from " MyPayDayLoan.com ''. I paid {$90.00} by an electronic debit from my checking account. I had really bad vibes about this company so revoked that authority. I have tried to reach a resolution for the balance of {$210.00} but this " company '' simply threatens me repeatedly. I asked for a mailing address to send payment which they REFUSE to provide. The threats continue daily. I want to pay this back on terms which are fair. This company is predatory and threatening. I need help. Please help. I will pay {$25.00} every two weeks beginning XX/XX/XXXX. I am NOT at all comfortable providing them with my debit card which they are DEMANDING. I need assistance securing a mailing address and stopping the threats. Please help!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

HelloI submitted a serious claim regarding undisclosed accounting method via case number XXXX to american express on an online chat dated XX/XX/XXXX. The error I caught I had caught 2 years back also but when I called them they confused me with numbers & I am not as confident in math especially when it has to be resolved on the phone. In the chat dated above I caught the same issue again & as review of the copy of my conversation shows ( I can email you ) they admitted to their faulty accounting. In fact I was in a 3 hour chat with at least XXXX managers on that date. Since then I did have other chats for which I kept some copies are are relevant. They tourchered me online many times answering late or asking me to call which I refused to do. I asked for my balance to be suspended which they have & in one online chat they told me they would get back to me by XX/XX/XXXX. I now dont show a chat option on my profile & I refuse to call them due to the high level of stress this has caused me. In the claim number I provided there were several other issues such as cash back, etc which you can see as well. But this accounting which they fudge under some spcial profile where the math adds up where they can see but I can not see makes no sense. In fact they admitted to it. 
The other important claims I submitted to their XXXX since I buy my airline tickets with my Amex was regarding my lost luggage which they should cover up to XXXX but they never respond to the cases I open & sometimes claim they dont have the claim but I do need to recoup all that they promised they give & all that they have taken from me.
Product: Credit card or prepaid card

I just noticed an account on my credit report that shouldnt be on there that I never applied for date reported is XX/XX/XXXX amount due is XXXX. Date opened was XX/XX/XXXX and closed on XX/XX/XXXX company is Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company froze my report then refused to unfreeze it in a timely matter. They said it would take 5 business days. They also ran me through 2 departments and an ungodly amount of verification. Balances on 5 credit cards, mortgage payment, ect. 

The problem happened with Experian and XXXX
Product: Credit reporting or other personal consumer reports

LexisNexis was asked to provide proof of documentation of my Bankruptcy file that their reporting to XXXX as being verified. I sent this letter out as of XX/XX/XXXX. As XX/XX/XXXX I have received the response from XXXX stating and I " Quote '' You are requesting to have the disputed items corrected or deleted from your report. At your request to conduct a reinvestigation, we contacted the public record vendor and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported. The result summary was sent to you for review on XX/XX/XXXX and XX/XX/XXXX. Now I've reached out to the Bankruptcy Court house and in my the letter and they clearly states that and I " Quote '' they said ( other than a response to a specific request like the one you have made, the Court does not send files, or otherwise provide any information about any debtor to anyone! ) end " Quote ''. I'm the debtor and the courts clearly stated they don't share any information with anyone not XXXX, XXXX, XXXX or third parties period. So how can LexisNexis verify this information? IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER THEREFORE, YOU INTTIAL RESPONSE VERIFYING THE ITME WITH THE COURTS WAS EITHER AN ERROR OR A LIE. EITHER WAY, THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C 16811 ). AND THE INFORMATION MUST BE DELETED IMMEDIATELY. 1. 15 U.S.C 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 U.S.C 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction I WILL FILE THIS AS FRAUDULENT WITHOUT KNOWLEDGE OR CONSENT. you have bluntly lied and confirmed this has been verified by a phone call but no proof!
Product: Mortgage

Originally this loan was with XXXX. Without notice, the loan was transferred to LoanCare. It was until XX/XX/XXXX that the homeowner received an invoice from LoanCare that we knew the loan had a new servicer. In XX/XX/XXXX we contacted LoanCare and we were informed that the loan was still in the loading stage and that the full features for this loan were n't ready. We did inform LoanCare that we had been previously working with XXXX on a short sale and that all documents were submitted to them. When asked if we needed to resubmit the answer was no since all documents associated with that loan will be available once the loan was fully loaded in the system. In XX/XX/XXXX we contacted LoanCare and was informed that there was no update. In XX/XX/XXXX called again to follow up on the short sale and was informed that a new package needed to be submitted and that there was a sale date of XX/XX/XXXX. Immediately we email the short sale package as requested. For several weeks we are given the email and fax number to submit the short sale package and every time we submit the lender does n't receive. Again and again, the lender 's response is we have n't received it resent and are not given other alternatives to providing these documents. When we requested the sale date to be postponed we were informed that they needed to have the short sale package within 30 days of sale date. We have been trying for over 30 days to get the full package to them. Furthermore, when we called we were informed by LoanCare that this was not their decision to make on this file, to contact the Foreclosure Attorney. When we contact the foreclosure attorney, the Attorney states it is up to LoanCare to provide the instructions of whether or not to postponed. Also, when we requested an escalation and for management to assist in this transaction we were only referred to the loss mitigation department. This homeowner is requesting assistance for the first time to avoid foreclosure. She did the right thing by hiring us a professional Realtor to short sale her home the moment she knew she could n't afford to keep it. She did n't wait months and months. The only thing she is requesting is assistance from his servicer to allow her to short sale her home in an effort to avoid foreclosure. The lack of efficiency of a servicer should n't be allowed to be an excuse for this honest homeowner to lose her home through foreclosure. As I am writing this complaint, I called Loancare for a last attempt to get answers and their answer was the same. You need to contact the foreclosure attorney, to which I responded, They have told us they do n't make the decision. I was then placed on HOLD and after 18 minutes of holding there is no resolution. Please help me avoid foreclosure. I have gone through all the correct venues to work directly with the lender without a resolution.
Product: Payday loan, title loan, or personal loan

I purchased furniture from XXXX XXXX and financed the purchase via Affirm. One month after the initial purchase, I returned a rug to XXXX XXXX. After going back and forth with Affirm, they finally recognized that the loan amount had changed and was now reduced. They acknowledge that the loan would be reduced but when I sign into my account with Affirm, it still reflects the old loan amount. I've contacted customer service several times who have told me that due to technical restrictions, the new loan amount could not be displayed on my account. They assured me that the installment payments would add up to the new loan amount but could not display the corrected loan amount and interest. I have a right to see the correct, actual principal amount, corresponding interest, and total adjusted loan.
Product: Credit card or prepaid card

I Contacted M & T Bank XX/XX/2023 to have my credit card replaced and for some unknown reason M & T Bank Closed my Credit Card Account Card Ending : XXXX and i never wanted to closed my credit card account with M & T Bank or had any problems with this Account Plus i was making my Payments on Time and they closed my account without my Authorization or any notification or anything the last agent i spoke to told me he was going to send a message to the head office for they cant replaced my credit card and today XX/XX/2023 am seeing my account closed even on my online banking my credit card account is not showing anymore i had this account open for years. am very fustrated about this. 

My Social Security XXXX : XXXX Card Ending : XXXX
Product: Mortgage

Freedom mortgage inaccurately added late payments to my husband and I credit report that they stated would be removed if we provided an explanation from the bank and provided proof that the bank account that had fraud was closed. They also stated they would dismiss all late fees. 
All information was provided and Freedom Mortgage removed late fees but were not willing to remove late payments from credit report because they stated it would show that they made inaccurate postings. Since then Freedom Mortgage has made several mistakes causing us issues. Freedom Mortgage fraudulently cleared our mortgage and when attempting to make mortgage payments they stated that they had no principle to apply my payment to. I pleaded with them to take my payment so I wouldn't take anymore hits to my credit report. They refused to take my payment and stated they would have to send payment back and could possibly charge me a late fee if there is a system issue. 

XXXX XXXX and XXXX XXXX were the 2 supervisors assisting. XXXX apologized about the confusion and stated that with the removal of late fees for both borrowers credit report should have been adjusted as well. XXXX stated she would make sure it was taken care of. XXXX XXXX followed up to state that they would not be honoring that request. 

Attached is the letter sent to freedom mortgage as a follow up to the promise of removing late reporting from credit. I had to call more than 50 times and send more than 15 follow up emails before I could get a response. Also attached is the XXXX XXXX letter and proof of our entire mortgage cleared with a XXXX balance that caused a month long of confusion. This is proof of freedom mortgage constant mistakes.
Product: Mortgage

We closed on our fixed rate home loan at the end of XX/XX/XXXX. Our monthly payment, based on debt-to-income was approximately {$1400.00}. In XX/XX/XXXX we were notified of an increase of approximately {$300.00} per month due to a projected shortage in escrow. There was no significant increase in annual, local property tax or in homeowner 's insurance. The lender chose to pay both in full between late XX/XX/XXXX and XX/XX/XXXX, reducing escrow from close to {$3000.00} positive balance, to approximately {$2000.00} negative. After extensive communication with an attorney from the lender, we were able to reduce the monthly payment to about {$1500.00} per month. This was difficult, but manageable. In XX/XX/XXXX in spite of requests to pay the property taxes in quarterly installments ( as is recommended best practice and, as is easily demarcated by the tax bill, itself ), a notice was sent to us indicating the projected monthly payment based on escrow shortage was to increase to over {$1800.00}, as both the tax bill and the insurance bill were paid in full, again immediately before the annual projection was calculated. My income has neither increased nor decreased significantly. Therefore, the initial agreement in good faith, as well as the XXXX loan agreement, both based on a debt-to-income ratio calculated with full transparency of what we are able to pay, bears little resemblance to the monthly payment now owed, at a rate XXXX % higher than what we agreed to just XXXX years ago. We have been late in payment because of the financial hardship a {$400.00} dollar per month increase has caused. Now, we are receiving XXXX and XXXX default notices by mail each day. I have spoken with representatives from the lender, mailed them evidence of income, as they requested, and emailed them requests for modification. I have spent hours trying to rectify this situation and, when I have received a response, it is as if they are hearing this for the first time and are completely unaware of the situation. Or, I receive contradictory information, dated after they have processed a payment, indicating they still have not received a payment. Furthermore, they are requesting documentary evidence that has already been sent. Not only is this causing financial hardship, extreme anxiety, and personal frustration, it is also taking hours of time during which I should be performing my job duties to earn the extra money we so desperately need. It appears that the lender is exploiting a loophole in an otherwise fiscally responsible fixed rate mortgage in order to utilize projected escrow shortage to raise rates such that we are unable to meet timely payment and, thereby, default on our property. We have no intention of foreclosing.
Product: Mortgage

I have a loan with BB & T for a piece of property we bought in North Carolina. We 've had the loan for a number of years and were in the process of doing a loan modification with BB & T since the loan was coming to term. During that modification period, I was told that I would not have to make a mortgage payment because the interest would be pulled into my settlement costs. Shortly thereafter, I started receiving foreclosure letters from an attorney on behalf of BB & T saying the loan was delinquent and my account stated being assessed for a lot of different foreclosure fees. When I brought this to the attention of XXXX XXXX, Vice President for the XXXX Branch who was conducting my modification, she told me that those would be removed and it was just that the mortgage department and foreclosure departments were miscommunicating. This went on for some time and BB & T continued to add fees to my loan. I was told all along that these would be removed, but XXXX XXXX continued to give me excuses about why they were n't being removed. All in all, my account has been assessed with at least {$1400.00} in foreclosure fees because BB & T 's XXXX departments were not communicating that this loan was in a modification. Looking for help to get this corrected and have the erroneous fees removed, since I have been completely ignored in my direct requests to remedy the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The nature of this corresondence is to inform you an error and greivance that has caused me severe XXXX on my consumer report, i'm speaking of the Closed Navient accounts on my XXXX and Equifax consumer file. We have asked the furnisher XXXX to investigate the first date of delinquency and they confimed that 480 days prior to XX/XX/XXXX was the first date of delinquency which was around XX/XX/XXXX. XXXX and Equifax have violated several consumer laws on my consumer file which I will disclose what statute has been violated in the attachment. 

The attachement will be a notorized document and this will be the final notice to request These Closed XXXX  accounts ( 5 with XXXX and 2 with Equifax ) to be DELETED from the consumer file. If these accounts are not DELETED a lawsuite will be filed against you.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX TX, XXXX Social Security : XXXX XXXX, Equifax XXXX XXXX ( URGENT MATTER ) XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
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.

Items listed above, have 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 ( AN ( 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. 
Remove Non mailing fraudulent addresses listed below : - XXXX XXXX XXXX XXXX, TX XXXX - XXXX XXXX XXXX XXXX, TX XXXX Remove Unauthorized Fraudulent Accounts Listed Below : ( FCRA Law ) 1 ) XXXX XXXX XXXX ( XXXX XXXX  ) XXXX, Opened XX/XX/XXXX, Collection account XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX, Secured Loan XXXX ) XXXX XXXX XXXX XXXX , Opened XX/XX/XXXX, Secured Loan XXXX ) ( No name found ) XXXX, Opened XX/XX/XXXX, Collections account XXXX ) ( No name found ) XXXX, Opened XX/XX/XXXX, Collections account XXXX ) ( No name found ) XXXX, Opened XX/XX/XXXX. XXXX, Collections Remove Unauthorized Fraudulent Inquiries Listed Below : ( FCRA Law ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.