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

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 XXXX 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. '' ( Furnisher of information to credit agencies ) 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) 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. '' ( Furnisher of information to credit agencies ) 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. XXXXXXXX and XXXX 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: Mortgage

Upon finding a condominium for purchase I went with Contour Mortgage as my initial lender. I signed the contract at the end of XX/XX/XXXX. There were many issues with this lender such as : 1- multiple title issues never disclosed 2- loan estimate submitted to me on XX/XX/XXXX ( after multiple emails on my part ) 3- I was told that the loan estimate was not accurate " just numbers '' 4- steered to an attorney who is an associate of the lender and also failed to disclose 5-inspection and appraisal fees were charged to me without disclosing pertinent information about the property or the loan itself 6-repeatedly contacted afterward by the lender after I told him I would no longer be using his services
Product: Checking or savings account

Bank of America cut off access to my checking account without warning, and the bank refuses to provide any clear details on why my finances were seized by the bank. The finances in my checking account were essential funds, used for survival needs such as food, shelter, utilities, and transportation. Bank of America froze my funds in the middle of a global economic emergency, and I currently have no income. Bank of America has directly threatened my ability to physically survive by cutting me off from my finances.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please promptly remove the phone number XXXX as they are not deliverable to me by the XXXX XXXX XXXX XXXX and they are not reportable as per the FCRA, since they are inaccurate Therefore, they must be removed.
Product: Money transfer, virtual currency, or money service

XXXX informs me that PNC has restricted my ability to link to a XXXX account. I do successfully have an account with XXXX 's parent company, XXXX. This is outrageously inconvenient and is preventing me from depositing money.
Product: Debt collection

On XX/XX/XXXX, at appx. XXXX EST, a call was made to IQ Data in an effort to obtain a settlement. The representative was so rude and condescending. She even went so far as to tell me that the client informed them that they are in the process of purchasing a home and since they know they have to pay this debt, they are refusing any settlement. She even threatened not to offer settlements and threaten not to delete the debt upon settlement. That is not the scary part. The most unnerving part of this ordeal was when I asked to speak with a manager, I was denied. The representative pretended to transfer me to a manager, kept me on hold, then disconnected the call. I called back, trying to speak with a manager and was denied and transferred back to the same representative. This time the conversation started off smooth. I was no longer trying to negotiate a settlement. I wanted to get a statement of the account to provide to an Escrow agent to see if they would approve paying for this debt for the client. Again, I was denied. I was threatened to be hung up on multiple times. I begged and pleaded to speak with someone else anyone else. The next agent came on the line and started off polite. However, she " lied '' and claimed the correspondence that I was asking for was emailed to me back in XX/XX/XXXX. I searched and advised it was not received. I politely asked for them to forward that email. I was denied. Finally, I disconnected. I was overwhelmed with anxiety, emotional grief and turmoil after dealing with company.
Product: Debt collection

A credit card account for a XXXX $ balance was opened outside my residential/work state under my name with XXXX XXXX XXXX XXXX on XX/XX/XXXX re acct:XXXX. 

I found out about the incident on Q4 XX/XX/XXXX and contacted the XXXX XXXX XXXX fraud support line to report the incident. Representatives refused to provide any information regarding the account despite requesting my full name and ssn. I advised them that account was not opened by me and was a result of a stolen identity. They claimed they would take care of it, wrote down my actual verifiable physical address and sent me an affidavit to sign. I signed and returned, and provided an identity theft report reference # XXXX. 

I later received a call from XXXX XXXX claiming my account had been sent to collection and that I was required to pay the full amount or would be subject to legal prosecution. I notified XXXX of the situation that occurred with XXXX XXXX XXXX   and requested they reach back to the Bank and rectify the situation as well as send me all pertinent information. 

I didn't hear back from them until a collector from XXXX XXXX XXXX in XX/XX/XXXX. The stated this account had gone to collections on behalf of XXXX and I advised them of the ID theft report and requested they investigate and resolve the account. 

Once again this case resurges with a summons to appear at a pretrial conference regarding the alleged debt, which should have been resolve and removed from my credit report already.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting incorrect information to my credit report. I paid them off and on Experian they updated my credit report to say I have a past due balance of XXXX dollars. I have no past due balance it has been paid and settled. Today I went to my transunion and they had the balance at XXXX and now falsified a balance of XXXX XXXX XXXX. This is company is placing fraudulent charges on me when I have cleared my debt. I want this information to be erased completely from my credit report since they can not clearly get this information right, I may have to take other necessary legal actions if this information isnt removed from my credit report how do you add a balance to a paid off account.
Product: Debt collection

Dear Sir or Madam : I am a victim of identity theft, all these fraudulent inquiries that is on my credit report and account do not belong to me, I NEVER GAVE ANYONE PERMISSION TO RUN MY CREDIT AT ANY TIMES! this was Not authorize by me and I am requesting that this information to be remove immediately and block pursuant to section 605B of The Fair Credit Reporting Act, Im request that these inquiries be remove ASAP. Thanks XXXX XXXX XXXX XXXXXX/XX/year> {$280.00} A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, Thanks, XXXX XXXX
Product: Debt collection

On XX/XX/2020 I XXXX  XXXX filed a complaint with your firm : Complaint Numbers : XXXX and XXXX. 

NEITHER PHH MORTGAGE SERVICES OR XXXX XXXX. HAVE RESPONDED TO THE ORIGINAL COMPLAINT YET THE CLAIM WAS CLOSED AND THE PROBLEMS ARE CONCURRENT AND UNRESOLVED. 

To date, I XXXX XXXX have not received a response from PHH Mortgage nor has XXXX XXXX. responded to the PREVIOUS federal complaint. Both companies are still attempting to illegally foreclose on my home. 

As stated on XX/XX/2020, PHH Mortgage Services purports to be the servicer of my home loan. They claim in writing that XXXX XXXX  owns my loan yet when I call to verify whom owns my loan ; PHH then claims XXXX XXXX XXXX XXXX. owns my loan. I have proof that neither XXXX XXXX XXXX XXXX owns my loan. ( attached ) PHH Mortgage Services then hires XXXX XXXX. to advertise the sale and foreclose on my home. I filed a complaint against the firm on XX/XX/2020 and then asked XXXX XXXX. to Validate the debt on XX/XX/2020 certified mailing number XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. has not validated the debt to date. However, they have rescheduled the foreclosure sale for XX/XX/2020. ( attached ) PHH does not have the authority to act as a servicer on behalf of XXXX or XXXX XXXX because ; XXXX and XXXX XXXX do not have interest in the loan/home. Wherefore, there actions are illegal and criminal. To be more specific these actions are considered illegal foreclosure, fraud and theft by taking. 

XXXX XXXX. has received proof from me that XXXX does not own my loan. I also asked the firm to validate the debt. It has been well over 30 days and XXXX has yet to validate the debt. Yet this firm still continues to attempt to foreclose on my property. Their actions violate the FDCPA as well as the standard foreclosure procedures legally needed to foreclose on a home in the state of Georgia. In the state of Georgia ONLY THE SECURED CREDITOR CAN FORECLOSE. XXXX XXXX. is aware of the laws that govern Georgia Foreclosures. These are also acts of illegal foreclosure, fraud and theft by taking. 

I would like XXXX XXXX. and PHH to prove that XXXX or XXXX XXXX owns my loan prior to them attempting foreclose which is my right to know. It is also my right to verify that the servicer of my loan and their 3rd party debt collector are collecting on behalf of the creditor of my home loan.
Product: Student loan

A repayment agreement was entered into with Navient for all private student loans. Payments have been drafted by Navient monthly from our bank account and all payments have been timely. Despite the agreement and receipt of payments, Navient has continued to harrass me and my husband ( a co-signor ) indicating that the loans are past due. They have also continued to apply late fees to the accounts and reporting them as delinquent to credit bureaus. I 've asked Navient on numerous occasions to correct this and they have failed to do so. 

Additionally, I have been awarded Social Security XXXX and notified Navient of such. Although I have sent them the award from Social Security, they are still requiring a physician statement. My physician will not complete the statement because he feels that the finding of permanent and total XXXX by Social Security is sufficient. Navient has refused to adjust my loans under total XXXX discharge guidelines. My student loans payments are substantially more than my monthly XXXX benefits of {$1500.00} per month. There is no way I can repay the loans.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my outrage and frustration regarding the ongoing identity theft that has severely impacted my life. I have been a victim of identity theft since XXXX, and despite my relentless efforts to address this issue, my situation remains unresolved. Credit accounts have been fraudulently opened in my name, and my personal and financial information has been exploited without my consent. 

Since XX/XX/XXXX, I have filed reports with the major credit bureaus ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, with no meaningful resolution or support provided. Additionally, I have engaged in numerous disputes with the affected companies, as well as filed formal complaints with local law enforcement. After months of investigation, I was told to continue filing disputes with the credit bureaus, which I have already done, time and time again. 

The level of negligence, indifference, and lack of action on the part of the credit bureaus and the companies involved is completely unacceptable. I have invested an enormous amount of time and energy into this process, yet nothing has changed. I have been met with delays, dismissals, and outright incompetence at every turn. My financial reputation, creditworthiness, and personal peace of mind have been severely damaged, and I can no longer tolerate the ongoing failure to rectify this situation. 

As a result of this persistent lack of accountability and resolution, I have been forced to take legal action. I am now working with a law firm to pursue a formal lawsuit against the responsible parties for their negligence and failure to address this issue in a timely and responsible manner. This is my final step after exhausting all other avenues, and I expect immediate action from the relevant parties to remedy this situation before the matter proceeds to litigation. 

I demand that the fraudulent accounts in my name be removed immediately from my credit reports, and I request a full and thorough investigation into this matter with clear, documented updates. If this issue is not resolved promptly, I will not hesitate to pursue every legal option available to me. 

This is no longer a matter that I am willing to tolerate. I am prepared to take all necessary legal steps to hold the responsible parties accountable for the damage that has been caused to my financial security and well-being. 

I look forward to your immediate response and action on this matter.
Product: Credit reporting or other personal consumer reports

Regulation F and FCRA Legal Demand Failure to Verify, Investigate, or Delete Disputed Items FTC Identity Theft Report # XXXX on File Dear TransUnion Legal Department, This letter serves as a formal legal demand under Regulation F ( 12 CFR 1006 ) and the Fair Credit Reporting Act ( FCRA ) to delete unauthorized, inaccurate, and unverified items from my TransUnion credit file. I previously submitted a detailed written dispute on XX/XX/XXXX, and have filed an official FTC Identity Theft Report ( # XXXX ). Despite these notices, TransUnion continues to report items that were not authorized by me, are likely tied to identity theft, and can not be substantiated by any lawful documentation. 

You have failed to comply with 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) by not providing a description of your reinvestigation procedures or the method of verification. You are in violation of 15 U.S.C. 1681b by continuing to furnish information without my written authorization or permissible purpose. And under 15 U.S.C. 1681c-2, you are required to block or delete any information associated with identity theft upon receiving noticewhich this letter and my FTC report clearly provide. 

Furthermore, TransUnion is now in violation of Regulation F, which mandates timely, transparent, and verifiable consumer communications regarding the reporting and investigation of credit accounts. No such validation has been provided. 

Disputed Accounts ( Must Be Permanently Deleted ) : XXXXXXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXXL Acct XXXX XXXX XXXXXXXX XXXX  XXXX Acct # XXXX XXXXXXXX XXXX XXXX  Acct # XXXXXXXX XXXXXXXX XXXX  Acct # XXXX XXXX XXXX  Acct # XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX Acct XXXX XXXX XXXX  Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX Unauthorized Inquiries ( Must Be Deleted ) : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX You Have Failed to : Provide the method of verification for the above accounts Produce original applications or documents bearing my wet signature Block identity theft-related accounts under 1681c-2 Comply with Regulation F standards for validation and communication Immediate Legal Demands : Immediately delete all accounts and inquiries listed above Provide written confirmation of deletion within 15 calendar days Cease all reporting, furnishing, or resale of my credit data without verified authorization Failure to Comply Will Result In : Formal complaints to the CFPB, FTC, and New Jersey Attorney Generals Office Civil litigation for violations under 15 U.S.C. 1681n and 1681o A demand for statutory, actual, and punitive damages This is your final legal notice. I expect full deletion and a written response within 15 days of receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Inquiry from RAY SKILLMAN FORD INC on Date : XX/XX/, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

This inquiry from RAY SKILLMAN FORD INC is fraudulent, because I did not authorize this company to pull my credit file.
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX & XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX OF XXXX Account Number : XXXX and list of Inquiries. 

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: Credit reporting or other personal consumer reports

Fraudulent account was opened with XXXX  XXXX on XX/XX/year>.
Product: Credit card or prepaid card

I opened a Secured XXXX card that I loaded {$500.00} on in XXXX 2015. I was trying to boost my credit score so I used it and always paid on time. My score went up a little but not much so I closed it last month and got my money back. But now, since I closed the account, my credit score dropped 29 points! This is just wrong! For closing an account I get penalized! The whole credit reporting system is designed to keep us down. This is an attack on hard working citizens and this is not fair no matter how you look at it.
Product: Credit reporting or other personal consumer reports

. This item was deleted and you reinserted them without notifying me 5 days after this account was in violation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - acct # XXXX ( no longer active ) was migrated to the XXXX XXXX - acct # XXXX XXXX active ) a few years ago. 

Transunion keeps reporting both accounts as active. Only one ( 1 ) account is active - XXXX XXXX. XXXX XXXX is NOT ACTIVE. 

I've reached out to XXXX XXXX & Transunion for over a year now to correct this inaccuracy without success. 

On XXXX XXXX Transunion removed the XXXX XXXX account per my credit dispute. 

On XXXX XXXX Transunion add this same ( inactive account ) to my credit report. 

I'm requesting the FCRA to get involve to help me correct this inaccurate information. 

Respectfully submitted.
Product: Vehicle loan or lease

I am now financing a second vehicle through Wells Fargo. For the entire life of my previous loan, I would have to call them every month to correct them as to how the payments should be applied. My payment was about {$270.00} per month and I would send in {$500.00} to pay down the principal and save me some interest over the life of the loan. Month after month, they were applying the additional funds to future payments. I know this because, XXXX. ) the statement for the following month would show I only owed about {$25.00} instead of the regular {$270.00}, and XXXX. ) they told me this is how they processed payments. 

I referred them to their own paperwork which says that payments are ( in so many words ) applied first to interest, then any fees, penalties or late charges and the remaining amount to principal. Even after reminding them of their own wording and my XXXX years in the mortgage lending industry, they continue telling me that " these are their rules ''. They try telling me that once the future payments add up to XXXX months of advance payments, THEN they will apply any overage to the principal. 

If they do this to every customer that pays extra in hopes that they are saving interest, they are likely costing the public millions of dollars a year in undue interest.
Product: Debt collection

Jefferson Capital System has been reporting a collection account on my credit reports for {$390.00}, this has been on my credit since XX/XX/2018. I have sent letters advising I was victim of Identity theft, and they never furnish information to confirm this was my account. They need to delete this account from all my credit reports. I am in the process of purchasing a home and this looks bad for a mortgage and my credit reports.