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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX 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 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: Student loan

Two factor authentication not effective. 
I checked my spam folder and resubmitted inquiry to getting my two factor code, their system is not equipped to handle processing important financial information in a timely manner
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act, EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX as well as the requested removal of all invalid Residences and inaccurate name spelling and showing which ive requested to be removed countlesss of times XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX all inaccurate name spelling ALL accounts and furnisher and Credit reporting agencies have 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. 

4 ) 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.

ALSO : 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance.

The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate.

AND I have previously had these files deleted from the reporting agencies but I have yet to get a complete credit report update done within the system and these inaccurate and Fraudulent accounts still remain which is harming my ability to better my circumstances and situation. THESE ACCOUNTS NEED TO BE REMOVED AS THE INVESTIGATIONS HAS SAID. and I need an updated Credit report By Mail
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has Violated my rights. 15 USC 1681 section 602 A. States i have the right to privacy. 15 USC 1681 section 602 A section 2 : it also states a consumer reporting agency CAN NOT furnish a account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. XXXX5 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Global trust management llc, a woman named XXXX from Global Trust called my son, daughter in law, and granddaughter about a debt I supposedly owe. I have been at same address for 3 yrs and same phone number for 10 years. I do not know who she is and what she wants. I tried calling the number she left with my family. It always goes to voice mail. I do not want anyone discussing me with my family. What happened to privacy act. My granddaughter thought I had a wreck and the were trying to find me. She called me crying and stressing out. Thank you.
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. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 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 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: Payday loan, title loan, personal loan, or advance loan

On approximately XX/XX/2024, I attempted to apply for a loan with One Main Financial through a local branch in XXXX, North Carolina. Upon asking for my social security number, the loan officer stated that both my name and credit reports were frozen. The loan officer also stated the reason being is that my credit reports with XXXX and XXXX were frozen. 

I contacted both XXXX and XXXX to unfreeze my credit reports and was informed that neither of my credit reports were frozen. There is no freeze on neither my XXXX nor XXXX report. However, One Main Financial has blocked my name from applying for a loan, and this block occurred on the corporate level. My credit report was unable to be obtained by the loan officer due to the block. Therefore, I was denied credit. I was denied credit however without the loan officer obtaining my income or credit information in order to make a credit decision. The loan officer then provided false and deceptive information as to why I was unable to receive a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This financial institution unclearly and inconspicuous disclosed non public personal information to a nonaffiliated third party without my consent this is an defamation of my character this is a violation of my consumer rights under 15USC 6802. 

On XX/XX/2020 Bank of America reported to XXXX XXXX XXXX. 
my banking history under 15USC 1681a my consumer report in which XXXX XXXX XXXX holds, should not include information solely as to transactions or experiences between me and person making the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer did not consent to the consumer reporting agencies reporting any false, misleading, or negative information defaming my name. They are causing me emotional harm, pain, and anguish. They are commenting defamation of character against me by violating my consumer rights.
Product: Credit reporting

I disputed is this information though Equifax Credit Reporting Agency. After a 30 day in investigation this item was removed from my credit report. I have a XXXX XXXX account and this account is reporting once again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove any items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 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 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

NATIONSTAR AND FREEDOM MORTGAGE ARE GUILTY OF FRAUD ~ The HUD/Truth in Lending Statement and the Escrow Disclosure statement on the loan origination had intentional fraud and items were left off to make the loan payment appear lower. This caused major escrow errors later and a near loss of the home from the fraud. On two separate occasions, the payment almost doubled, from {$800.00} to {$1400.00}. 

Nationstar made us aware of this loan origination fraud in XXXX 2015 but later, in an attempt to collect payments, repeatedly denied it. They even lied to government investigators to cover it up. 

Specifically, Nationstar was dishonest on the phone and in an official government CFPB filing when it denied having access to any paperwork from the prior servicer. 

We have repeatedly requested that they follow the law and rescind the loan due to intentional fraud. They have repeatedly lied and denied our request. ***Attached is a letter from XXXX confirming the loan fraud and also confirming our request to execute our right to rescind the loan due to intentional fraud***
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION hung up the phone while on a threeway with attorney on today XX/XX/23 @ XXXX XXXX XXXX  XXXX  identified in there system showing no pending disputes but on the other side Stating to CFPB and the ATORNEY General still working on issue A FRIVILOUS LYE
Product: Checking or savings account

In XXXX of 2021 i received four check from the social security office an m & t decieced two help them self with so much of my money like XXXX of its an i want its back. this is the second time they stole my money. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX FORGED my signature on a loan that's reporting on my Credit Report making this Contract " Null '' none valid.This Deceptive practice is unlawful ; According to Texas Statues PENAL CODE Title 7- Offenses Against Property Chapter 32- FRAUD. I discovered this in a letter I requested from them XX/XX/2019. I've attached is the letter. 

XXXX XXXX XXXX was also reporting inaccurate erroneous information to the 3 major credit Bureaus. I sent them copies of all 3 credit reports verifying their inaccuracies..I sent them certified letters asking them to VALIDATE this information they have not. They also did not respond in 30 days which is another violation. They also sent me a letter admitting they were reporting inaccurate information. They never reported payments made on my behalf by XXXX and GAP insurance. 

Attached are copies of Certified letters I sent them, letters admitting they reported inaccurate information, and my amortization schedule showing payments made by the insurance companies.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had several late payments on an account that I have never been late on. Consumer Reporting Agencies have taken on a vital role and have a responsibility to report on consumers to the best of their ability with XXXX XXXX  I have never been late on payments on the account : XXXX ) : ( XXXX ) Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I demand that these payments be brought up to date on time as they should be as I have NEVER been late. Thank you.
Product: Credit reporting

Approximately 1 year ago my credit score was about XXXX with a XXXX Major Credit Reporting Bureaus. After I made inquiries and disputes with all XXXX Major Credit Reporting Bureaus XXXX and XXXX Made appropriate adjustment and or deletions and my credit score was raised to XXXX by both XXXX and XXXX. Trans Union however dropped or reduced my credit score to XXXX. 

I believe the score is wrong and I am seeking its adjustment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score keeps going down and the reason given is that theres a high ratio between balances and credit limit. This is incorrect and incomplete information because I pay my two credit card balances in full upon receipt of the monthly statement. What appears in my credit report is merely the minimum payment due, not my actual payment every month. The only thing I carry a balance on is my newly acquired auto loan. I have a zero balance on everything else. This is incomplete and incorrect information on my credit report which causes my XXXX XXXX to be erroneously lower than it should be. 
I am recently widowed and have always had a XXXX XXXX above XXXX. This is causing me a great deal of stress. Thank you in advance for your assistance in this matter. 

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

XXXX XXXX XXXX XXXX XX/XX/1991 XXXX Experian, XXXX, XXXX To whom it may concern XXXX XXXX XXXX XXXX XXXXXXXX Is reporting on my credit report and it is not my card or in my name card holder name is XXXX XXXX XXXX which i am not. Please remove this account from my credit report. 

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

I am writing to you to request that you remove the following unauthorized inquiry ( ies ) from my credit report : SANTANDER BANK NA XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX-XXXX
Product: Credit reporting

XXXX has been working on my behalf to dispute and remove accounts with National Credit System. The account has been paid for over a year and they are still reporting to XXXX bureaus. I called today to try and dispute over the phone and they told me to send a removal letter instead of a dispute letter like they have on file.
Product: Mortgage

My husband and I are XXXX and receiving Social Security. In XXXX I lost my part-time job and my husband became XXXX. We were not able to pay our property tax for 1 1/2 year. {$1100.00} in XXXX and {$2200.00} in XXXX. I went to Tax Assessor Office so we can defer our payments ( See attachment : Deferral Affidavit ) and was approved. My husband and I planned to pay-off the car ( which is almost done ) first, then we can proceed with the property tax. I received a call from Wells Fargo Mortgage XXXX XXXX, XXXX informing us that WF Mortgage paid our property tax and immediately repay them for {$1000.00} per month that is including our mortgage of $ XXXX ; therefore the {$410.00} goes to the property tax they paid. The {$410.00} will be paid for 24 months as told by WF Mortgage ; this will total to {$9900.00} in 24 months which will inflate to 200 %. I told WF Mortgage that we can not afford it and importantly, we were approved by the Tax Assessor Office of deferral payment. I also informed WF Mortgage that there was no agreement to pay them escrow ( See attachment : Loan Payment Information ). Paying them this amount monthly will cause us to lose our retirement house and will result to severe hardship.
Product: Mortgage

DiTech transitioned us from bi-monthly payments to monthly payments when they discontinued that program. Somehow, during this process, they had to reallocate funds which is making our account show as delinquent. Which it is NOT. We have called at least 4 times and every time they say it is there error and that they will pass it on to a supervisor and correct it. Then a few weeks later we will get another delinquent account letter for a higher amount. This most recent letter was for {$9300.00} but when I called, it had increased to {$10000.00}. I spoke with a supervisor, XXXX, employ number XXXX who assured me that he understands the severity of the situation but also informed me that they have reported us to the credit bureaus. It 's absurd, we have NEVER missed a payment. We have worked so hard for our credit score, my  husband is XXXX and was literally offered his dream job today contingent on a credit investigative report and I came home to this mail. I am in a near panic. We have been trying to get this resolved for months and I was assured on my last call several weeks ago that it would be resolved and it WAS NOT. It should be illegal to do what they are doing. This is 100 % their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

capital one is showing on my XXXX and XXXX that i was 30 days late in XX/XX/2018 i have asked several times for verification of this and nothing gets provided i have disputed it many times as well and nothing changes. I am positive i was not late at all on this account
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 the 15 USC 1681. 

Account name : XXXX XXXX, Account ending in XXXX, Account Name : XXXX XXXX XXXX, Account ending in 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 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 crime 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

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Mortgage Company Name : Planet Home Lending This company recently purchased our mortgage loan after a refinance we did during the fall of XXXX, and since the purchase, the following has occurred : 1. They held more than $ XXXX  in escrow without our consent and it took months to get them to acknowledge the issue. As they were unwilling to do anything to assist, I asked for the funds to be returned. They only returned the funds after numerous calls and micromanagement on my part.

2. They lost an extra principal payment during the transfer and after numerous calls and more than 4-5 hours collectively wasted on the phone, they finally acknowledged and claimed to be doing something about it, but nothing happened.

For this issue, I had to call the previous lender and request the necessary proof to include the tracking number as they wouldn't assist with helping, and even after gathering the proof, they have shown little to no interest in posting the payment.

Additionally, they are unwilling to post the payment and back date it to when it was actually paid, thus changing the interest charged at that time. To date, nothing has occurred. The payment was made during XX/XX/XXXX. 

3. I have asked for a complete payment history and they will not send it to me.

4. Currently, they are attempting to force place an additional insurance policy on our property when we have the additional coverage through our XXXX XXXX XXXX Policy. Previous to the loan refinance we did during the Fall of XXXX, our previous lender for more than 3 years never asked for an additional policy as we provided the XXXX XXXX XXXX, and it satisfied their requirements. 

Furthermore, I had our commercial insurance agent write a letter to the new mortgage lender explaining that this additional insurance policy is unnecessary, but their stance is to want to enforce unnecessary insurance to be purchased for our property. 

In summary, I have made many attempts to speak with a Director or VP level type management person for this mortgage company and they have made zero efforts to assist with putting me in touch with anyone that can look into these allegations without wasting hour ( s ) on the phone. 

Respectfully request your assistance to mediate these issues and to ensure other customers do not experience the same.