23daVinci/CFPB_Complaints huggingface dataset:
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. 

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: Credit reporting, credit repair services, or other personal consumer reports

Subject : Fair Credit Reporting Act, Section 609 Dear TransUnion, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX  ( Original Creditor : XXXX XXXX ), account number XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

My identifying information is as follows : Name : XXXX XXXX Date of Birth : XXXX SSN : XXXX As proof of my identity, I have included copies of my Social Security card, and a residential bill. I have also included a copy of my credit report with the account I am requesting to have verified, circled and highlighted. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

Sincerely, XXXX XXXX
Product: Mortgage

On XX/XX/XXXX I initiated the refinance loan with NewRez Loan # XXXX for the property located on XXXX XXXX XXXX XXXX, XXXX CA XXXX with loan officer Mr. XXXX XXXX ph # XXXX NMLS # XXXX. 
I uploaded some of the documents on their website page approximately 4 of the task, the rest of the task I sent them to Mr. XXXX via email 1 ) check stubs on XX/XX/XXXX XXXX ) 1040 income tax returns on XX/XX/XXXX XXXX ) XXXX 's taxes pdf on XX/XX/XXXX After sending him all documents I called him and he verified he received everything, he charged {$600.00} on my visa card for the appraisal. On XX/XX/XXXX I received an email from NewRez with the appraisal report on XX/XX/XXXX I emailed Mr. XXXX asking him how much longer to complete the loan? Because every time I checked the status will say underwriting. He replied by saying it takes 6-8 weeks for the underwriting process, a processor should be assigned to your file soon. There is nothing alarming regarding your file so we are still in great shape. On XX/XX/XXXX the loan became inactive and I tried to get ahold of Mr. XXXX but he was not available or returned any of my messages. 
On XX/XX/XXXX I called NewRez I spoke with XXXX XXXX  and he tried to transfer my call to XXXX but he was not available I asked him to transfer me with a manager and Mr XXXX XXXX  said he was not allowed to transfer calls nor to give any email addresses for any managers. 
Shortly after I received a termination loan letter stating '' CREDIT APPLICATION INCOMPLETE ".
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : $ XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$170.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX FTOKES AV XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I'm disappointed by your claims & am rejecting on the basis that you lack any material fact to support your claim... Please DISPUTE THESE ACCOUNTS! Or I will be seeking a legal remedy from you. Frustration, distress, annoyance, and outright anger. These emotions stem from the painstakingly slow response and the repeated denial of my identity theft claim by your bureau. Let 's be clear ; this situation is nothing short of a nightmare. I've been grappling with unauthorized accounts and transactions, and the toll it has taken on my financial well-being and peace of mind is immeasurable. The emotional rollercoaster I've endured is beyond distressing. XXXX XXXX XXXX XXXX. Please remove this account ASAP.
Product: Mortgage

My mortgage servicer is Wells Fargo and they are not giving me a reasonable explanation as to why my PMI is not being canceled. Per the Homeowners Protection Act, the PMI should cancel automatically at 78 %. My loan-to-value ratio is about 74 %, which I calculated by taking my unpaid principal balance of ~ {$210000.00} divided by the home 's purchase price of {$280000.00}. I called them, and they did not give me a sufficient explanation. I followed up via a message through my account when I was logged in but no reply. Without a reasonable explanation, I feel am being taken advantage of and I am paying PMI unnecessarily.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. According to the Fair Credit Reporting Act, Section 611 of the FCRA you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that Under the FCRA 15 U.S.C & 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formatted reporting standards according to regulations.The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and or standards and must be removed immediately.
Product: Credit reporting or other personal consumer reports

VW credit has reported me 30 days past due in XXXX. The payment was made prior to be 30 days. VW is intentionally causing me undue stress and reporting false information. 

I experienced fraud on my checking account which caused a hold on my checking account. My bank immediately reissued payment to VW credit prior to 30 days. 

VW credit has been unwilling to assist me in removing this 30 day reporting although I have been dealing with them over a decade. 

I am intentional about paying bills timely. VW credit is intentional about destroying my credit.
Product: Debt collection

The debt collector has agreeded to remove this account due to identify theft and this fraudulent debt had been removed form all other credit reporting agencies such as XXXX XXXX and XXXX
Product: Debt collection

Disputed this debt x2, wrote to company and received a basic letter with no identifying information, AGAIN. Ive been disputing this for months and I want it removed no indication this ever belonged to me at all! They refuse to provide what I asked for and wont remove this
Product: Mortgage

In XXXX I started working on refinancing my current VA loan with Freedom Mortgage and during the process the third party title company ( XXXX XXXX ) that the mortgage company was utilizing came back saying there was a lien on my property by XXXX XXXX. They stated they was working to clarify the issue. After a couple of weeks they notified me they was still having an issue. I called XXXX XXXX office and told them of my issue at which time they stated the title company was reading the file wrong and that they don't place liens on properties only the product. I called the title company and informed them of their error at which time they agreed and sent over a letter stating it was clear to move into closing. I was scheduled to close on XX/XX/XXXX and the mortgage company stated that since there was a delay we wouldn't meet the original closing date and that I needed to pay {$1600.00} for a 15 day rate lock extension. I argued this was no fault of my own and believed that it should fall back on the title company or them but not me. They disagreed and stated I would have to absorb the cost.
Product: Mortgage

My wife and I have been dealing with the incompetence of Shellpoint since XXXX. We received our Escrow Analysis and noticed that our payment was increasing from {$1600.00} per month to {$6200.00}. I know sounds absurd right? That's what we thought too. So apparently you decided to start adding PMI of {$3800.00} onto my loan. Now this was new to me because the loan was with XXXX for 6 years and I never paid PMI. In fact when the loan was originated we elected to pay a one time payment of, you guessed it, {$3800.00} to eliminate PMI. You took over my loan in XXXX and in XXXX decided it would be a good idea to charge the PMI and send it in to the insurance company. Funny thing is they returned the payment because nothing was owed. The first payment was on XX/XX/XXXX, it was returned on XX/XX/XXXX. There was another payment sent on XX/XX/XXXX and returned on XX/XX/XXXX. The really interesting thing about this is that the disbursements are not consistent or monthly. There have only been 2 since XXXX. If you look at my loan you will see all of this along with the notes from the however many people we have talked to that really couldn't do anything but put those notes in the system. At some point, I guess someone entered a request to have PMI removed from my loan. Today I received a letter that asked me to sign and return it to authorize you to order an appraisal of my property. This will cost me a minimum of {$400.00}, I thought that was interesting ... This is what prompted me to call yet again and be told to email loan servicing. Funny thing is my wife spoke to someone recently that said you all don't reply to emails. I assume it's true as I never received a response from my first email. The way I figure it is I am just wasting more of my time by writing this. 

I'm trying my best to document everything that I can. I have sent in the original docs from closing as well showing the PMI payment didn't exist. We have been able to continue making our normal payments of {$1600.00} by sitting on the phone for over an hour at a time and finally getting someone that could take a " Regular Payment with Adjustment '' over the phone. That was for XXXX and XXXX. It was obvious to them as well as everyone we have spoken to that there is a mistake on your part. The issue is no one has the ability to fix it.
Product: Debt collection

I have sent several letters to LVNV Funding and sister company Resurgant Capital Service dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXrequesting validation that this is indeed my account. They have not responded to any of my letters sent Certified Mail, which I do have proof that they received it due to signatures. They have not provided me with any kind of validation bearing my handwritten signature or that I have any contract with them. I, therefore, request that this account be closed and removed from all 3 credit reporting agencies. I have given them an ample amount of time to verify this debt and they have not done so. If I do not get any kind of verification about this debt, I will proceed with a small claims action against their company up to {$5000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

How ridiculous- after sending me numerous reports they continue to send this diversion!
Product: Debt or credit management

I received the email ( information is being provided ). I have not signed up for services with this company, but it states my attorney is reaching out. I do not have an attorney with this company.
Product: Credit reporting or other personal consumer reports

I called about the account on my report that didnt have the right information/status, they didnt not properly investigate. All accounts was updated with information I didnt not provide.
Product: Credit reporting 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

Upon receiving a pre-employment screening report, I noticed there is an outdated address in California showing ( I haven't lived in CA in 16 years ) and also a record check in Arizona that is completely incorrect ( I have never resided in the state ). 

I contacted the screening provider, XXXX XXXX XXXX, presented the report and noted the outdated and incorrect information. It took several phone calls and an unnecessarily long e-mail thread over 5 days for them to relay their contact company they received the information from I would need to contact ; Lexis Nexis.

I opened a ticket with Lexis Nexis on their website under the appropriate category on XX/XX/XXXX, informing them of the same outdated and incorrect information on my background screening, and attached a copy of the report. 10 days later on XXXX, they responded and indicated they needed me to provide a copy of the dead individual. No one died, and I communicated nothing of that to them so that was confusing and I began to lose faith in their literacy and competence. I again repeated my request. 

11 days later on XX/XX/XXXX, they responded informing me they don't deal with my issue in their department and would need to contact the department of Lexis Nexis that handles background screens. I found this frustrating and an unnecessary delay having opened a ticket on their website under the correct category 22 days earlier. 

Regardless, wanting to finish the issue, I called the phone number today, XX/XX/XXXX. The representative I spoke to, after XXXX minutes of being very confused, informed me the company I Was calling was XXXX XXXX, which is a background screening company, and they had no record of a report being run on me in XXXX.This was very frustrating. I Tried to verify that they provided information to LexisNexis, the representative said he couldn't provide that information to me, but that they did not run a background report on me, and that I should contact LexisNexis. 

Tomorrow marks 30 days, many e-mails I've attached, about 5 phone calls and much of my wasted time for what should be a simple, functional and *IS* a legally guaranteed removal of incorrect or outdated information on my background report. I would like to request maximum penalties for LexisNexis for incompetence. If you could please provide me information the legal recourse I have to pursue damages or legal action against them for failing to abide by the FCRA I would appreciate it as well.
Product: Credit reporting or other personal consumer reports

Experian Boost is a garbage product and it continuously breaks, with horrendous support, which is outsourced to XXXX XXXX or The XXXX or the like. Unintelligible support, in fact, with individuals who barely speak XXXX. Two instances of Boost. One works ; one doesn't. They then badger me about fixing the one that is broken. It's insane and a waste of my time. The product simply DOES NOT work or they are unable to scale the product around the authentication changes that banks make. Rubbish...
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$1000.00}, {$500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$500.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

XXXX Account number XXXX XXXX : Request for Removal of Unauthorized Inquiry Pursuant to FCRA Section 1681b ( a ) ( 2 ), I am writing to file a complaint of unauthorized inquiry that appears on my consumer credit report.

Pursuant to Section 1681b ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), I did not provide written instructions or consent for the disclosure of my personal information for the purpose of obtaining a consumer report. This unauthorized inquiry is in violation of FCRA regulations and constitutes potential identity theft. The unauthorized inquiry has resulted in credit denials, causing significant financial harm and potential damage to my creditworthiness. Under Section 1681n-B of the FCRA, I am entitled to pursue civil liability for willful non-compliance, with potential damages of up to {$1000.00}. In accordance with FCRA guidelines, I request the immediate removal of this unauthorized inquiry from my consumer credit report. t. 
Thank you for your attention to this urgent matter. I trust that you will handle this complaint in accordance with FCRA regulations and take appropriate steps to resolve it promptly. 
thank you