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. 

Account Name : XXXX  XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX XXXX  XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XXXX XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY 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

Around  XX/XX/XXXX  I sent an dispute letters to  XXXX ,  XXXX , and Transunion disputing about the following inaccurate information : 1.   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   3.   XXXX    Around  XX/XX/XXXX , I called all credit bureaus for updated investigation status. I was told by  XXXX  that they had received the letters, but has not gotten to investigating  XXXX  yet, but was behind in the mail so they were still investigating  XXXX . Under the Fair Reporting Act, the investigation should be done in 30 days. That did not happen due to the Holidays. I sent another letter asking them to investigate. I thought this matter was resolved until I applied for an apartment on XX/XX/XXXX .I was told by the apartment complex that this same information disputed in   XXXX   was impeding me from getting approved to have a roof over my head. Will you please provide me a description of the procedure used to determine the accuracy and completeness of the information, including the business, name, address, phone number and documentation submitted to credit bureaus to validate the debt? I am requesting this information for all  XXXX  credit bureaus.
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In addition, I want you all to investigate the credit bureaus refusal to supply an updated credit report when items have been disputed, deleted and changed. Each time I call to ask for the disputed results in writing, I was told I had to subscribe to a paid monthly service to get credit reports. I had to ask for the manager to get an updated credit report for free. The credit bureaus are more concerned with selling you credit reports or scores than they are about doing their job, to report accurate information. How can they become more user friendly, accurate, and provide the service mandated by the government. Please help.
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Thanks   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

This evening, I was alarmed to find unauthorized inquiries on my credit report, and Im baffled as to how they got there. I did my usual check of the report, but this time, there were unexpected discrepancies. I even refreshed my browser, thinking it might be a temporary issue, but the unauthorized inquiries stayed. Because of this, Im asking for a detailed review of the documents Ive sent, so I can stop worrying about this.
Product: Debt collection

XX/XX/2019 I received a threatening call from XXXX XXXX. The representative asked where the vehicle is located? I explained this is an ongoing dispute with Exeter Finance and I have sent a letter advising only written communications. The representative then stated she does not have any records or document from Exeter Finance referring this and then raised her voice and kept asking where is the vehicle? The second call, the representative left a voicemail stating this is an insurance matter for me to return the call, after I stated do not call me only written communications.
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. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.
Product: Mortgage

During COVID I locked down for a while. I told Bayview Loan servicing my mortgage servicer in mid XXXX I was not letting the new back up buyer inspections and appraiser in the house until COVID was over. They were fine with it. Then COVID broke in NJ end of XXXX as Governor lifted many tasks to be able to close including real estate and I scheduled the appraisal and inspection in one day. This was early XXXX. Then we sent the HUD with updated docs and the previous loan package dates changes to Bayview to the attention of my loan Administrator in asset management in charge of my loan for our short sale. Bayview seems to be a middle man for the real investor and they move very slow. 
So to update Bayview and not wait for 3 weeks for the list to come by mail and say we received your documents and are reviewing them, I called my loan Admin and she had a voicemail set up that said we could not schedule a meeting for at least three days and to leave a message that was Monday XX/XX/XXXX and I left the message., Friday today her associate called me to tell me to call XXXX and so I did. So that means in order to speak to my loan admin in asset management I have to wait at least 9 days. 
To add to things we need a loan approval because there is a second lien lender in this process breathing down my throat for updates and an approval from bayview. I am concerned the extreme slowness of bayview that my utilities in this house will be on till end of XXXX and I will be forced to pay for additional lawn work as well which is $ XXXX   monthly plus 1 weeding a month for {$250.00}. 
Unfortunately my credit cant handle the delays and I need this to be over so we can move on with our lives. The short sale by all practical means should close end of XXXX but because Bayview takes so long we are looking at end of XXXX or later and that's more added expense on me, expense I really don't need.
Product: Credit reporting or other personal consumer reports

I have incorrect names and addresses on my credit report that I would like removed
Product: Student loan

I have been unemployed for over XXXX months and had to defer my student loans. I have to renew my unemployment benefits with the state and show proof to navient of this situation. My current unemployment benefits expire on XX/XX/XXXX. Navient has now sent me multiple emails with different amounts of payment? I received a change in loan terms email stating that my monthly payments will be {$120.00} per month. I then received another email stating that my monthly payments will be {$250.00} as a monthly statement. This is confusing because the terms of my new loan payments state {$120.00} yet I am receiving emails stating my monthly payments are higher?
Product: Credit reporting

I moved back to GA in 2014 and discovered I had several items on my credit file that I did not authorize. I immediately filed a police report in XXXX XXXX Ga. I called the XXXX credit bureaus where my files are located and added a fraud alert. Over the years I have been able to get most things removed from XXXX and XXXX but Equifax for some reason has been giving me the run around. Stating all my information has come back as verified yet they can not produce to me any information such as my signature to validate their investigation. I am an XXXX veteran and I defended my country proudly for 7 years yet I feel like the enemy when it comes to Equifax. I am in the process of rebuilding my credit and it is very difficult to do with all the fraudulent inquiries that 's are being held on my report by Equifax.
Product: Checking or savings account

In the XXXX years banking with USAA I have now decided to open another complaint out of great concern after reading the article of their being violated. I am one of those people who had a Restitution payment coming for just one account. I actually have XXXX closed checking accounts USAA refused to give me any information pertaining to or a adequate response after sending emails to the executive office at least ten times, calling over fifty times and writing certified letters for a letter showing zero balances on all checking accounts. I gave them as much information as I have. 
Furthermore, I spent countless hours and days on the phone away from work and school for my son extremely worried what the XXXX their doing listening to their XXXX lies and story telling. They went on telling me they only opened one of my accounts. Another story, they don't know what I am speaking of. I even heard a whopper of a story that XXXX XXXX was the one who was at fault? USAA has been great at putting the microscope on me for XXXX long years. I am a good customer. I see they " pass the buck '' on everyone. 
My deposits as well and holding every dime! The mobile app doesn't say it. If I deposit a 100.00, it used to hold a 100.00. I would buy three money orders for a 100.00 each trying to have some funds registered. Absolutely bananas and I wasn't a check bouncer. My account has adequate funds each month, but I would hear every excuse from the CEO office. I believe this is deceiving as well. It should stipulate this so that I could go put it in at the credit union.
Product: Vehicle loan or lease

Around XX/XX/XXXX, I received a call American Credit Acceptance at my work station. I could not talk at the time so I returned the call. They were calling me stating I was past due on my account. My due date is on the XXXX of every month. When talking with the representative, I told her that I received a bill for over 1,100 and at the end of the bill, it said ... your regular payment is due XX/XX/XXXX. Well, I was at the end of my loan and did n't realize it. The representative argued with me stating they did not send me this bill but was stating that I still owed XXXX. I said well why would I owe XXXX. I then said its because you sent that bill and I paid my regular monthly payment. The representative was not helpful so I requested a supervisor. the supervisor was alright. I believe her name was XXXX. I explained the situation to her and she suggested a loan modification which would break down the remaining balance over three payments. She emailed me the paperwork. I filled it out the same day and faxed it back. They received the paperwork onXX/XX/XXXX. To date, they have not processed the paperwork and I was still receiving calls in referencing to account being past due : XX/XX/XXXX, XXXX, XXXX,XX/XX/XXXX, XXXX and the XXXX. I called back several times and was told an exclusion would be placed on my account while they reviewed the request. Again, I received more calls and again told they have not processed the paperwork. They told me it takes 24 to 48 hours. I have spoke with at least three supervisors and this matter still is not handled. How does someone go from paying XXXX a month to paying over 1,100 because it is the end of the loan. I knew the last payment would be a little more but not three times the amount. Everytime I call they tell me how late I am on the account. I do not understand. I have kept my loan in good standing for five years now and at the end they want to report it badly. whenever I had an issue I communicated and made arrangements so as not to be in poor standing with the loan. No one is trying to help me and I do n't understand. Is this some sick game where they default the loan at the end. For what reason, they are being unreasonable and will not give me an explanation. Please help. I need to know what I should be doing. I am sorry, I do not have this kind of money laying around.
Product: Debt collection

The following is in response to XXXX XXXX XXXX  ( XXXX ) response ( XXXX  ) dated datedXX/XX/XXXX and Beneficial 's response ( XX/XX/XXXX) dated XX/XX/XXXX. Please allow me to outline my continued unresolved issues/concerns and provide additional indisputable documentation of XXXX XXXX  and Beneficials fraudulent activity and misrepresentation. First, both XXXX and Beneficial assert the property address associated with the alleged note and mortgage as XXXX XXXX, XXXX, NY XXXX. My deceased father 's last address was XXXX XXXX XXXX XXXX, NY XXXX. However, in the past this property was assigned the following addresses over the fifty years he lived there. They include : XXXX XXXX XXXX XXXXg, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX  ; and XXXX XXXX XXXX XXXX XXXX, NY XXXX and lastly, XXXX XXXX XXXX XXXX, NY XXXX. XXXX NY is a village in the town of XXXX, NY XXXX. Secondly, Tax Map # XXXX  also associated with the alleged mortgage does NOT represent a single property. It consist of multiple parcels ( 3 ), including Deeds XXXX  ( XX/XX/XXXX ), XXXX  (XX/XX/XXXX) and XXXX  ( XX/XX/XXXX ). The only affected Deed, as described in the alleged mortgages, is XXXX  ( XXXX  ) consisting of approx. .25 acres. My deceased father 's residence is not located on this parcel. His residence is located on associated Deed XXXX  ( XX/XX/XXXX). This is all verified by the attached document which includes a very detailed title search report conducted by XXXX XXXX XXXX. The documentation is indisputable and proves the fraudulent and misrepresentation XXXX  and Beneficial continue to perpetrate. XXXX ( AKA XXXX XXXX XXXX XXXX  ), Beneficial, or any other associated entity has never had, or have, a security interest in my deceased father 's personal residence, which is located on a parcel totally unassociated with the alleged mortgage. See attached documentation for verified proof. Not only has Beneficial misrepresented the facts when they sold the alleged note and mortgage to DJL, XXXX continues to threaten legal action against my father 's estate ( foreclosure, forced placed insurance, etc. ) Furthermore, XXXX XXXX XXXX XXXX  and XXXX defrauded investors. They have securitized this alleged note and mortgage, without the required due diligence, and continue to misrepresent the facts to investors, by claiming they have a security interest in a property in which they absolutely do not. This misrepresentation is both unconscionable and despicable. Their actions need to be addressed with appropriate consequences.
Product: Credit card

Chase Credit card has offers for using their credit card. One such offer was to get 10 % cash back with a maximum of {$40.00} when purchasing directly from XXXX XXXX of at least {$50.00}. This Chase offer expired XXXX. I made the purchase on XXXX and met all terms and conditions that were published on their website and within this particular offer. I received a letter from Chase stating that the offer would not be honored as I didn't meet the terms and conditions. I called and asked what terms and conditions that I didn't meet and they said I made the purchase before " selecting/accepting '' this offer. There website does not mention anything about having to " select '' this offer before making a purchase on that it expires on XXXX. I made this purchase withing the timeframe of the offer and Chase should be obligated in paying what they advertise. If not then they are using " XXXX XXXX XXXX  '' tactics and I'm claiming fraud and false advertisement.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under trafficking according to XXXX XXXX XXXXXXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following 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 XXXX XXXX}
Product: Vehicle loan or lease

I had a 2017 XXXX XXXX that was stolen from my house crashed and totaled the roof had to be cut off to get the person out of the car the car was completely totaled my insurance company XXXX XXXX who I had full coverage with at the time refused to cover the car because they said that the person had access to the keys I reported the car stolen I even sent the person to jail the person is still in jail for stealing the car but yet they would not cover the car after that the car went into being supposedly repossessed even though the car was no longer able to be a car because it was completely destroyed but because I didnt pay on it after that because why would I pay on the car that I no longer have my insurance company wouldnt cover The car it went in on my credit is a repossession Ive sent the person to jail I reported it stolen I do not believe they should be on my credit at all when I made every single payment up until that happened
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

several of my loans have been paid in full ; however Mohela has not updated my credit report since XX/XX/2022. {$41000.00} is actually paid in full. I need Mohela to update my credit report ASAP.
Product: Debt collection

Have been calling my number repeatedly over the past 3 weeks, before XXXX XXXX, including weekends. Latest call was XX/XX/20 at XXXX XXXX. Company claims number belongs to XXXX XXXX ( spelling? ), although I have had number for 5+ years. I have also reported company as a Do Not Call list violation, since I have no business relationship with company and have asked that my number be removed.
Product: Credit reporting or other personal consumer reports

My regular payment history does not reflect these late payments.
Product: Credit reporting or other personal consumer reports

I am writing to demand an immediate correction of the errors in the listed accounts based on violations of the Metro 2 reporting standards. 
Violations Identified : XXXX. XXXX Account # XXXX : ** Date Last Active : There is a discrepancy between XXXX, Equifax, and XXXX regarding the Date Last Active. Metro 2 reporting standards require consistency across all bureaus, and this mismatch must be corrected immediately. 
Account Status : The account is listed as " Closed '' across all bureaus, but there is an inconsistency in the comments, which mention the account being closed at the request of the credit grantor. These comments are vague and violate Metro 2 standards of providing precise information. 
Late Payment History : The late payment history reporting is inconsistent. One bureau reports a 30-day late payment multiple times, while another fails to list this history properly. Uniformity in reporting late payments is mandatory. 
XXXX. XXXX XXXX XXXX Account # XXXX : ** Account Status : The account status is marked as " Closed '' across all bureaus, but the Date Last Active field varies between bureaus. This inconsistency is a violation of Metro 2 guidelines. 
Late Payment History : The account indicates a single 30-day late payment, but this is not uniformly reported across all three bureaus. I request that this late payment be properly validated or removed due to inconsistency. 
XXXX. XXXX XXXX XXXX Account # XXXX : ** Date Last Active : XXXX and Equifax show different dates for when the account was last active, and the comments mention a 30-day late payment, but this is not consistently reflected in all bureaus. 
Late Payment History : The payment history is not accurately reported across all three bureaus. 
XXXX reports late payments differently than XXXX. This failure to follow Metro 2 standards is unacceptable and needs immediate rectification. 
XXXX. XXXX Account # XXXX : ** Date Last Active : The accounts last activity date varies between bureaus, violating Metro 2 requirements for consistency. 
Late Payment History : There is a single late payment listed, but it is not consistently reported across all three bureaus. Additionally, comments about the account being Current while also listing late payments are contradictory and require clarification in accordance with Metro 2 guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting incorrect information on my credit report.

The Date of Last Activity is incorrect./reporting different information to each credit Bureau Incorrect High Balance // is reporting different information to each credit Bureau Date opened is incorrect and varies from one Bureau to the next recently reported as opened with several missing payments //