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

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX ACCOUNT ( XXXX ) /ITEMS DELETION LETTER OF IDENTITY THEFT & FRAUD EXPERIAN ( IDENTITY THEFT & FRAUD ) EXPERIAN VIOLATION FCRA XXXX Date : XX/XX/XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It XXXX Concern : PLEASE REMOVE THIS ADDRESS, IT DOES NOT BELONG TO ME. : XXXX XXXX XXXX XXXX, XXXX  XXXX PLEASE DELETE THESE ADDRESSES FROM CREDIT REPORT MY CORRECT NAME AND ADDRESS IS : XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX FTC REPORT XXXX : THE POLICE REPORT # : XXXX Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

While checking my credit report I noticed some unauthorized and unverified hard inquiries and late payments on my Experian, XXXX and XXXX credit report, I have tried to dispute them but was asked to provide an FTC report.
Product: Debt collection

The TD BANK company has sent me to collection and has closed my company account credit cards without letting me know the reason why they had closed this account, this has affect my credit already for the past 2 years and they haven't giving a further information why they had closed this account. If they don't have a real answer of why they closed my account I would ask kindly to TD BANK to DELETE this account from my credit reporting.
Product: Debt collection

On XX/XX/2022 I received a letter from Midland Credit management regarding the account XXXX which claimed that I owed them {$11000.00} and thus far they have illegally taken XXXX The amount alone shows that interest rates in excess of the amount allowed by the SCRA and Military Lending Act have been applied. Further the denial and ostensible shrouding of the the perpetuated " law firm servicing '' is an unconscionable and illegal burden to put on a veteran of the untied states.. 

I state illegally, as all of the correspondence sent to me stated my account and seized payments had been turned over to a law firm for servicing. However the correspondence never identified said law firm, nor provided any way for my to request validation of the debt, make arrangements and make sure it is within legal collection timeframe. 

Further, as a veteran, they refused to provide me with a breakdown of the original debt and interest amounts, nor a legitimate avenue to procure the aforementioned. As shown in the attached payment statement from Midland Credit Management, This creditor has violated the SCRA, CFPB regulations and the Military Lending Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regard to the incorrect items on my credit report it has been 30 days and I have not received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my credit report that are not mine
Product: Credit reporting or other personal consumer reports

I expect your immediate assistance in removing the fraudulent information from my credit file. This data should have already been removed as it resulted from fraud, yet it remains. Under FCRA Section 605, you are required to eliminate any inaccurate records, and Ive already provided supporting documentation in a previous letter, which I am including again. Ive informed my attorney, who is prepared to hold you accountable for your ongoing failure to comply with this obligation. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$7300.00} XXXX XXXX XXXXXXXX Balance : {$5500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. Listed are the accounts that have negatively affected my credit with improper reporting. 
XXXX XXXXXXXX XXXX  XXXX Account # XXXX XXXX XXXXXXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

! 5 U.S.C 1681 section 604 A Section 2. Also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Transunion consistently rest within 24 hours stating the account is accurate, without providing any evidence of a through investigation.This practice violates the Fair Credit Report Act ( FCRA ) ,15U.S.C.1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion actions may also contravene the Consumer Financial Protection Act ( CFPA ) ,12U.S.C 5536 ( a ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File XXXX ) against them for similar violations.I request that the CFPB take action to ensure Transunion complies with federal law provides consumers with the necessary proof of investigationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit Despite my efforts to resolve this directly with the reporting agency, its remain unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. 
15 us code 1681 o for civil liability for negligence, not complaints
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I went window shopping for a car with XXXX XXXX XXXX. I specifically told the salesperson who assisted me that I wanted to avoid multiple banks pulling my credit, and I wanted my information to be sent to just XXXX bank. She assured me that they would do exactly as I told them. However, that was not the case ; they sent my information to multiple banks. I did not end up buying the car because I had an emergency. I called the dealership the following day and told them I couldn't buy the car anymore, and the vehicle is with them. I did not even test-drive it ; I asked them if I could come back in the future when I could. That was when the dealership and the sales XXXX threatened me that there no way out of this loan and the financing bank had already paid them. I called the bank and explained my situation, and they told me that it usually takes a couple of days to finish the auto loan paperwork, and they will not release the funds to the dealership since the car is not in my possession. Still, the dealership continues to call me to come and take the car and still threatens me using the bank 's name. I called the bank XXXX XXXX, and they assured me they had yet to release the funds. They also told me they would contact the dealership to stop using their name to threaten me. 
Meanwhile, all these happened in early XXXX. To my shock today, this dealership got another financial bank named XXXX XXXX XXXX in my name without my knowledge. I could not believe it. This is unethical, and I need that loan {$33000.00} to be removed from my credit history. I did not have their car or even XXXX XXXX it. Please, this is urgent. I should not be paying for what is not in my possession. 
Thanks.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality as outlined in 15 USC 1681. The account names are as follows : Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Type : XXXX XXXX Bankruptcy Updated Account XXXX has reported an increase in the total amount of collection account balances on your credit report. 
Collections Balance : {$29000.00} I looked at my XXXX Credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( E ) ( B ) Please remove this from my XXXX XXXX Credit report ASAP. Thanks you.
Product: Checking or savings account

I was a victim of fraud/scam about 3 yrs ago. Bank of American here in XXXX XXXX even told me the account was closed but mentioned how I still had access to my account. Told me not to worry it had been closed. My main concern was that my income tax of {$3000.00} was supposed to hit so I wanted to be assured it was closed snd sure enough it hit the closedaccount and never recovered or received anything
Product: Debt collection

I have been engaged in an issue with Portfolio Recovery that despite their claims to the contrary on the credit bureau reports, by listing the items as resolved, has come nowhere near being resolved. This is has been stretching on for over a year and still remains a problem. And now there has been a new complication to the issue. 
Portfolio, as a result of a prior dispute, sent notice that they were ceasing collection activity on XX/XX/XXXX. However they did not completely follow the directive of their own notice and continued furnishing derogatory information to all three of my credit reports, despite the accounts they claim to be the original claimants of these alleged accounts not even appearing anywhere on my credit files with any of the bureaus. Reporting on credit is a form of debt collection and, as such, Portfolio continues to violate their own agreement with the CFPB to cease collection activity. 
The current and most recent issue that has arisen with this company involves the fact that they are pulling my credit from Transunion, most recently on XX/XX/XXXX. I only discovered this fact as a result of just having signed up for annualcreditreport and learning of this or I would have filed this sooner. Given that Portfolio have ceased collection activity on these alleged accounts, they should not have any permissible purpose in accessing my files and viewing my personal information. If they have some some strategy in mind they should explain it in their response otherwise they engaging in deceptive and unfair practices as under the FDCPA and UDAAP. Furthermore, they should cease pulling my file in the absence of said permissible purpose and they should also delete my file from their records and cease reporting activity as they should have a year ago.
Product: Vehicle loan or lease

They charged extra for late fee my contract said finish my loan XX/XX/2022 it's last payment and they charge XXXX dollars more they said my interest rate it's for every day and supposedly my payment it's the XXXX and a have 10 day for make the payment and they tell me I paid late and honestly alway tried to paid before the 10 days I only remember I make one payment late because my husban was on the hospital they tell me I need to paid the amount or I can't get my title
Product: Mortgage

My mortgage loan was sold to NationStar XXXX 2016. XXXX XXXX I mailed my payment to address given indicating my new loan #. Around XXXX XXXX, I received a statement/remittance from them. The check I mailed on XXXX XXXX was not posted to my account until XXXX/XXXX/16. Then XXXX XXXX, I mailed my XXXX payment. On XXXX XXXX, I received their statement/remittance. On XXXX XXXX, I received a call from NationStar letting me know they had not received by my payment, I informed them that I had mailed my payment on XXXX XXXX. They said I should allow 14 days!!! Crazy! The representative suggested making a payment over the phone with him for a fee or signing up for AutoPay. On XXXX XXXX, I received a late notice dated XXXX. The check cleared my account on XXXX. I live in XXXX and send payment to XXXX. It seems ridiculous to expect payment to take 13 days to be posted to your account. I was previously sending my payment XXXX and it never took more than about 5 business day!! I have never received their statement which provides the remittance slip before the XXXX of the month. I save the remittance slip form the previous month to mail so that I can be on time.
Product: Credit card or prepaid card

It has been 29 days and I am at a loss with the level of incompetence I have been dealing with regarding my XXXX XXXX  card with XXXX XXXX. My partner, XXXX, went in to XXXX  XXXX XXXX XXXX NH on XX/XX/XXXX and they processed a refund of which I have a receipt for. That same day I contacted the GM and Service Manager at XXXX, via email, that the receipt # s did not match my card #. The GM responded that is my XXXX rewards #. I called on XX/XX/XXXX XXXX to confirm and they stated the refund should show up in 3-5 business days. It did not. I filed a dispute with XXXX because a female rep named XXXX stated XXXX processed the refund incorrectly and it was " locked '' in my rewards balance and XXXX was unable to transfer it to my account. She told me the process could take up to 90 days. She said she had, no idea why the dealership processed it this way and perhaps they didnt want their books to be impacted regarding the refund. I received an email from XXXX that the receipt showed a VISA card was refunded and to contact them. So, I again, called XXXX that the dealership told me the refund was processed and the last 4 digits was my rewards number they told me to call back in 3 days to get an update on the dispute and they would note my account. I called XXXX on XXXX at XXXX spoke with XXXX at XXXX id # for his Manager XXXX, he apologized profusely stated a full refund would show within 72 hours and they would submit a check for the payment I made. After 4 business days nothing was done. I called XXXX again on XX/XX/XXXX at XXXX and spoke with XXXX id # XXXX she said she did not understand what was going on with the dispute she was going to submit a 2nd dispute and that the balance would be suspended by XX/XX/XXXX while it is being, again, investigated. On XX/XX/XXXX nothing happened, again I called XXXX spoke with a floor manager who told me no notes were put in regarding the refund, the id # s basically mean nothing because there is no way to contact them. I asked if I could speak with someone in the Dispute Department to find out what was done with my initial dispute and she said they do not have the capability to speak with customers. She did not know if the dealership was ever contacted prior to XX/XX/XXXX and a note was put in that someone reached out to the dealer after XX/XX/XXXX but she had no idea how ( mail, phone, pigeon carrier ). She told me all the timelines I was given were incorrect she was concerned with all the misinformation I was given and that I am starting from square 1 and need to wait 90 days again for this new dispute. 

This process is absolutely insane. The fact that 1 my balance does not get suspended during a dispute causing it to impact my credit and require me to continue to make payments, 2 I was given different information each time I called. 3 I still do not have my refund even though I have the receipt! None of this would even be happening if they dealership had processed the refund correctly.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A, States i have the right to privacy. 15 U.S.C 1681 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

Thank you. 

We purchased a home in XXXX XXXX, Ca in 2022. 

Recently this year, we were informed that our mortgage with XXXX XXXX XXXX  was sold to XXXX  Mr Cooper. 

We're concerned about the following : 1 ) " Mr. Cooper '' has changed the amount of our mortgage -- @ {$200.00} less without explanation 2 ) Most importantly -- -I need to verify that they are paying our flood insurance through an escrow account.

**** They are UNREACHABLE by phone or otherwise -- -all robots.

3 ) they have my name listed wrong which I'm concerned will cause a problem. 
XXXX XXXX ( usually XXXX on computers ) they have it as : XXXX XXXX XXXX aka wrong last name and I can not reach them, -- It seems unethical and should be illegal -- to take over a mortgage without permission, change the name on the mortgage and then be unreachable.

please advise and thank you so much for this service. XXXX XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

I have several unauthorised enquiries all from Capital One, they were contacted and they are fraudulent enquiries I need to be disputed and removed. 

Date XX/XX/XXXX Date XX/XX/XXXX Date XX/XX/XXXX Date XX/XX/XXXX Date XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I Submitted a dispute on XX/XX/19 due to inaccuracies listed on my credit profile & have attached images marked in red to reflect the inaccuracies. On XX/XX/19 I wake up to find that Citi Card has not only left the inaccuracies on my credit profile but has intentionally added two fraudulent late payments to my credit profile showing I have been late during the months of XX/XX/XXXX 30 days & XX/XX/XXXX 60 days. Based on documents I have attached, they reflect with an account I had with Citi Card that my payments were due the XXXX of each month & for XX/XX/XXXX due date I Paid XX/XX/XXXX and for XX/XX/XXXX due date I paid XX/XX/XXXX It appears Citi Card at this moment is blatantly violating the FCRA Section 623. How can you add late payments that never existed? If you are unable to perform a reasonable investigation, or you are unable to locate the necessary documents to investigate my disputes then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. This is a final attempt to ensure Citi Card report only accurate information or cease reporting this account to my credit profile. You will find all attachments in this email to reference. 

Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ), as a furnisher of data you have the duty to report all accurate information to all 3 Major credit  bureaus XXXX, XXXX , & XXXX & you must review all of the information in this Notice of Dispute to complete your investigation, and report back to me the results of your investigation, within 30-days of my Notice of Dispute. 
In addition, I humbly request that you provide me with complete transactions, payments, a copy of any physical signed contracts or agreements, & account numbers
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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. 

In accordance with the Fair Credit Reporting act XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX Account 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 In accordance with the Fair Credit Reporting act XXXX Account 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 In accordance with the Fair Credit Reporting act XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX Account # 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 reporting or other personal consumer reports

In accordance with the fair credit reporting act. EXPERIAN has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ACCOUNTS LATE PAYMENTS ADRESSES AND INQUIIES IN QUESTION INCLUDED BELOW 15 U.S.C 1681SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604 A SECTION 2 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 ITEMS OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 USC 1681s 2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING XXXX CONSUMER TO ANY CUNSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INQUIRIES DEPT OF EDUCATION