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

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I have reached out to the FTC and to my local police department. These items need to be deleted from my credit report XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX AND XXXX. I am doing this on my own.
Product: Credit reporting, credit repair services, 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 XXXX : XXXX has violated my rights. Or a 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 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 item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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

I did NOT give these companies listed WRITTEN, VERBAL CONSENT for them to pull and report to a unaffiliated 3rd party. which is TRANSUNION. I never gave Transunion Written or verbal permission to report this information. These companies also never gave me the FULL DISCLOSURES option to OPT OUT? this is a violation of my consumer rights. please delete pursuant to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

DELELTE ALL INQURIES LISTED BELOW : XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX the law says that these companies can not disclose my information to a unaffiliated third party. so why is Transunion reporting these inquires on my consumer report when I never gave them written permission to report in the first place? please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

I had some issues withe a negative account being reported on my credit report, so I disputed the item on XX/XX/2020 but never received a response from any of the bureaus, I though that it was because of COVID19, but it has been more than 2 months, and I have yet to receive anything in the mail. 
The account disputed was XXXX XXXX, account number : XXXX. I would like to receive a response back pertaining to this matter, as I am in the process of purchasing a home, but I can't move forward without this.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis has violated my rights to privacy. 
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 XXXX : Bankruptcy XXXX XXXX Account Number : XXXX has violated my rights. 
Account XXXX : Bankruptcy XXXX XXXX Account Number : XXXX has violated my rights. 
Account XXXX : Bankruptcy XXXX XXXX Account Number : 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 XXXX years. 

15 U.S.C 1681 Section ( 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: Student loan

I had gotten a loan from XXXX XXXX around XXXX for my education. I started paying it monthly after graduating and getting a job. On XXXX/XXXX/XXXX after 11 years, I received an email from XXXX XXXX congratulating me on paying off my loans. All of a sudden I started getting Navient another company telling me I need to pay them. I called and spoke to XXXX XXXX with a gentleman by the name of XXXX on XXXX/XXXX/XXXX who was very rude and did not help out. So, I ended up calling XXXX XXXX again and noone would help assist me. So, on XXXX/XXXX/XXXX I sent an email to XXXX XXXX from XXXX XXXX who is the Customer Advocate, she emailed me back regarding receiving my email. However, I never heard back from her again. I called her back since she stated if I had any questions to call her and I left a message and never heard from at all. I have attached the email stating I have paid off my loan. I only needed the loan for XXXX quarters. My loan is completed I should not be getting charged still.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

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: Mortgage

Property XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, FL XXXX was purchased on XX/XX/2002 for {$100000.00}. The current mortgage is the original mortgage when it was purchased. The current outstanding principal is {$89000.00}. The current AVD as per FNMA is {$220000.00}. That is an LTV of 40.22 %. 
Attached find email correspondence from Shellpoint Mortgage refusing to remove the PMI on the loan. They also refuse to conduct a BPO or appraisal for the removal. 
I have attached the following documents for your review. 
Email from Shellpoint Mortgage Current Statement XXXX  Closing documents Property Details showing current FNMA AVM value Broker Price Opinion
Product: Checking or savings account

I have been banking with Capital One for two years now. As I am sure you know I do not have ANY access to my money that I was supposed to be deposited XXXX My account is in the negatives due to bills being charged, and on top of that I have my car insurance due on the XXXX ( I am XXXX and can not afford for my credit to drop ). This has caused a huge inconvenience in my life these past 3 days, not only can I not receive my deposit but I can not even get a simple explanation as to what is happening and as to why it is happening. We have been given no information when we will receive our money. This morning on XXXX we were told at XXXX that it will likely hit our account today but it is now XXXX and I am still wondering where my money is.
Product: Checking or savings account

An acct was opened from a business partner and put the account in my name and then over drafted the account tremendously. XXXX XXXX was the business name. In the end of XX/XX/XXXX thru XX/XX/XXXX. I have not been able to open another acct with wells Fargo since.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settle with insufficient balances despite initially available funds. I believe these practices are unfair and request and investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

l have contact all three credit bureau and stated that have been a victim of identity theft. I was told to send certain documents to prove that i was victim of identity theft. I sent all documents on XX/XX/XXXX and placed a fraud alert on my credit and the fraud accounts are still there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be corrected and deleted : 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 XXXXXX/XX/XXXX
Product: Mortgage

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that NFCU XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Debt collection

I lived in XXXX XXXX from XXXX to XXXX, during that time period COVID-19 happened, I was unable to pay rent due to job loss and only having XXXX for my son as income, I had a phone conversation with the property manager XXXX, XXXX was stated that if I agreed to move out by XXXX, that no action would be brought against me for this account. I wasnt aware of the collection until it was on my credit report for {$10000.00}. I have disputed across all three reporting agencies. I moved into my new apartment on XXXX and have been here since at XXXX XXXX It was reported to National Credit Systems and Ive never received contact from them about this debt or that I could dispute. I will upload pictures of my lease starting on XXXX and pictures of the falling ceiling that was never fixed inside the apartment that me and my XXXX young children occupied. I also never received a eviction notice or any type of notice from this apartment prior to the debt showing up on my credit accounts.
Product: Credit reporting or other personal consumer reports

I recently request information from the company and asked for all fraudulent items be removed due to fraud and inappropriate reporting I sent everything over including a police report and documents supporting my claim. I provided information as well as an attention by a consumer who identifies me as an victim of debt bondage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early in XX/XX/2018, I filed for CH XXXX bankruptcy. During this time, I was 100 % payment history on my auto loan. During the bankruptcy, they took away my permissions to pay online, so I attempted to call in. They assured me that there is no issue, and I will be able to make payments online shortly. I called a few times during my bankruptcy to try to make a payment, but was unable to. When The bankruptcy finalized, they told me I'm over 3 months behind. I made MULTIPLE attempts to make payments on time, and they are now hurting my credit score because they were unwilling to take my payment during bankruptcy. They still refuse to assist me.
Product: Debt collection

my social was connected to another social security XXXX XXXX confirmed it was fraud and removed it, whoever used a different social with my name has a collection reporting to my account from XXXX XXXX XXXX for {$7200.00}, i never used my social for this acoount, i never had an inquiry for this account, this is fraud i made a police report & i want this account removed asap as it is hurting my score & fraudulent information thats stopping me from getting a home and car, i will take legal action if not removed and sue for every error i find on my credit Report
Product: Money transfer, virtual currency, or money service

After being a Coinbase customer since XX/XX/XXXX, on XX/XX/XXXX I noticed I was no longer able to log into my Coinbase account as none of my 2fa codes were working. I went through all the appropriate troubleshooting recommended on the Coinbase website. I was unable to reach anyone at Coinbase by either phone support or emailing customer support, and the Coinbase ID verification servers were malfunctioning as posted on their website with no timetable for being fixed, preventing me from accessing my account that way. As every option to remedy this problem was exhausted, I wanted to ensure my account was secured so I submitted a request on XX/XX/XXXX to lock my account and was told an account specialist would be reviewing my account and contacting me shortly. Since that time, I have spent a total of 6 hours on hold via 8 separate phone calls just to eventually either get hung up on by multiple customer support agents or have them answer and say there is nothing they can do to help. I have sent multiple emails with only generic responses and empty promises that someone is " looking into '' the issue. One Coinbase phone representative I spoke with said that it was impossible to give me an estimate on how long it would take to get my access restored to my account, and there was literally nothing she or anyone else could do about it. She also refused to let me speak with a supervisor, saying that she did not have one there. It has now been 26 days since I have had access to my funds, despite extensive effort on my part to regain access.
Product: Credit card or prepaid card

I have the XXXX Citi Business card. I had to pay for refrigerator repair for my business on XXXX/XXXX/XXXX. That cost {$700.00}. Refrigerator worked fine the few times we used it in XXXX and we took a break in XXXX for wedding and honeymoon. In early, XXXX I contacted the frig repair company since the problem came back and I ca n't run my business without proper working equipment. Company came out and charged {$120.00} for a diagnostic fee on XXXX/XXXX/XXXX. They order parts and completed the work on XXXX/XXXX/XXXX for another cost of {$1000.00}. The total I paid this company is {$1800.00} and in early XXXX the frig went out again. I ended up purchasing a new unit for {$2800.00}. I contacted Citi to dispute the charges on XXXX/XXXX/XXXX they gave the business owner until XXXX XXXX to respond. Fortunately they responded sooner, I provided my a letter stating that the repairs were inadequate. They told Citi bank that they have a 90 day warranty, but the company told me they have a 30 day warranty. I 'm being taken advantaged of by this company and Citi bank did nothing to resolve it. They sent me a letter stating the merchant did n't want to refund me so the dispute is resolved. Citi rep was also telling me that the time it took me to dispute exceeded the allowable time, but it only took this long because they gave 3 months to respond to the dispute.
Product: Mortgage

We are an attorney 's office who represented a client seeking mortgage assistance. She received a modification trial offer and has made all her payments on time. I have been following up with the lender for over a month for final documents and was told on XXXX XXXX, 2016 that they had no authorization for me ( despite working with me to get the mod ). I sent updated authorization and had to wait for them to apply it to the account. Now they tell me that the final documents went to our old address the day after I called in and was told we had no authorization on file, and the deadline to return the documents was on XXXX XXXX. I told them that the docs were not received, and they will only give me until XXXX XXXX, 2016 to return the documents ( that I STILL have not received ) back to them, or they will pull my client 's modification and make her reapply. I specifically asked for a supervisor 5 times in a 45 minute conversation and was refused XXXX.
Product: Credit reporting or other personal consumer reports

I have contacted theses Companies listed. 
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 XXXXXXXX XXXX XXXX XXXX XXXX They took No action after I informed them
Product: Payday loan, title loan, or personal loan

I took out a long term installment loan from Check N ' Go at XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ( business is abandoned no one there? ) I went to get a full and proper forensics accounting of my loan and make a Cash Payment as I always have. I could NOT do anything as the business is ( CLOSED ) Permanently as they shut the doors and left? NO one to get in touch with, many people standing outside like me were left in the Dark? 

At no time was i ever told the business would suddenly and secretly close in the dark of night and take all records and Vanish and disappear? NO ONE ever contacted me nor bothered to let me know they would secretly close and take all the records and leave going out of business? 

As a XXXX  XXXX Veteran i have no idea what is going on and what to do, i called the number in the window and NO ONE answered the phone, i called another store and was told " Oh they went our of business due to Misconduct and fraud " I now am left with no records no place to get any help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX an account was open with affirm inc for the total of XXXX dollars for an unknown reason. I was also going to many fraud activity during the years XXXX and XXXX many card was issued through my personal banks and credit cards.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX Original creditor : XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V.GRAVENS ( MO ) 281 SW 715, 719, I PRESUME THAT NO PROOF OF ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.
Product: Mortgage

Ocwen has referred our loan to a foreclosure attorney that did not complete the certificate of posting in the Notice of Foreclosure Sale.