23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing as a final attempt to address a serious and ongoing issue regarding the unauthorized dissemination of my personal information by XXXX to credit reporting agencies, including XXXX, XXXX, and Equifax. Despite previous communications, XXXX has failed to rectify the unauthorized reporting of my information, in direct violation of the Fair Credit Reporting Act ( FCRA ). 
As stated in my previous correspondence, XXXX did not obtain my written permission to provide my information to these credit reporting agencies. The FCRA explicitly requires written consent from individuals before consumer reporting agencies can furnish their information to third parties, except under specific permissible purposes outlined by the law ( 15 U.S. Code 1681b ). I have never given such consent to XXXX. Despite my previous demands, the unauthorized information remains on record with the credit reporting agencies. This continued violation of my consumer rights is unacceptable. I have filed multiple complaints with the Consumer Financial Protection Bureau ( CFPB ) to address this issue, referenced as follows : CFPB Complaint XXXX : Credit reporting, Problem with a company 's investigation into an existing problem, XXXX XXXX XXXX XXXX XX/XX/year>, Closed, Company responded. 
CFPB Complaint XXXX : Credit reporting, Problem with a company 's investigation into an existing problem, XXXX XXXX XXXX XXXX XX/XX/year>, Closed, Company responded. 
CFPB Complaint XXXX : Credit reporting, Problem with a company 's investigation into an existing problem, XXXX XXXX XXXX XXXX XX/XX/year>, Closed, Company responded. 
Furthermore, I have received confirmation from the XXXX XXXX, dated XX/XX/year>, clearly stating that they do not provide information regarding case filings or dispositions to credit reporting agencies. This confirms that the XXXX information being reported by these agencies has been obtained without proper authorization or validation. Therefore, I demand that XXXX Consumer Center immediately cease and desist from providing any further information about me to credit reporting agencies without my explicit written consent. Additionally, I request that all unauthorized information already provided to these agencies be promptly deleted from their records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for taking the time out to read my complaint. I was reported late on my credit report ONE time from XXXX XXXX XXXX. It reported XX/XX/2019. I called and explained that my identity was stolen that month and my bank closed my bank account so the automatic payment did not go thru. I advised them of the issue when it happened in XX/XX/2019 by phone call that it may even be late but I was willing to send in police report and even a letter from my bank to verify. After the investigation on my bank and my funds were back I called XXXX XXXX XXXX and made my payment and they still reported it. I have been pleading with them to remove it and no luck. I emailed the ceo, mailed and faxed numerous of letters and still no help. Ive despites multiple times and nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information are being reported to my personal credit file. The XXXX, and TransUnion Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i and 605b, and continued to report unverified information without providing any proof required by law. The Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, I checked my credit report, and I noticed multiple billing errors under 15 U.S. code XXXX ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
Product: Vehicle loan or lease

The day of repo was XX/XX/year> it was about XXXX XXXX  when found truck gone and I took pictures of damage done to my driveway and car I looked online to see how to find out who repo the truck it said they have to contact u with in 2 day they still haven't contacted my dad so after 2 days went by I tried emailing the XXXX XXXX XXXX XXXX to see if I could get information about what tow company or repossor they had used and told them the reason why I wanted information and I sent them pictures of damage and they have yet to give me any information on them I have tried 3 times to contact them and nothing the longer time gone by the higher the personal property storage fee is gon na be I think that's a unfair thing because I would go get my dad 's property back if I knew where to go to do so
Product: Debt collection

I am a victim of unfair debt collection practices. The company Jefferson Capital Systems is knowingly furnishing false and misleading account information in my name to XXXX XXXX, XXXX, XXXX, and others. The company is stating that I owe a debt to them which I do not owe to them. I do not have any association with the company and never entered into any contracts with the company. The company should not have any of my non public personal information including but not limited to my name, address and phone number. Because I never engaged with the company, it means that my personal information was obtained without prior consent directly from me, which means it was obtained by means of identity theft and deceptive forms. These actions are ruining my credit reputation and are causing damages to my household. I will not tolerate unfair debt collection practices. I am seeking justice and remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

While looking at my credit reports I have noticed inconsistencies with the information all three credit bureaus have. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. Transunion has XXXX, ACC # XXXX**** as Date Opened : XX/XX/XXXX, however XXXX  has the following info claiming to be accurate as Date Opened : XX/XX/XXXX, and XXXX  has the following info claiming to be accurate as Date Opened : XX/XX/XXXX. Transunion has XXXX, ACC # XXXX**** as not showing on the credit report AT ALL, however XXXX  has the following info claiming to be accurate as High Balance : {$0.00}, last payment not showing anything, and the credit limit as {$7000.00}, and XXXX  has the following info claiming to be accurate as High Balance : {$7000.00}, last payment XX/XX/XXXX, and the credit limit as not showing on the credit report. Transunion has XXXX  CARD, ACC # XXXX as not showing on the credit report AT ALL, however XXXX  has the following info claiming to be accurate as High Balance : {$0.00}, last payment on XX/XX/XXXX, and the credit limit as {$3200.00}, and XXXX  has the following info claiming to be accurate as High Balance : {$3400.00}, last payment XX/XX/XXXX, and the credit limit as NOT showing on the credit report. Transunion has XXXX XXXX XXXX  XXXX XXXX, ACC # XXXX as not showing on the credit report AT ALL, however XXXX has the following info claiming to be accurate as High Balance : {$14000.00}, last payment XX/XX/XXXX, and Payment Status : 150 Days Late, and XXXX  has the following info claiming to be accurate as High Balance : {$0.00}, last payment XX/XX/XXXX, and Payment Status : 120 Days Late. Transunion has XXXX XXXX XXXX, ACC # XXXX****/ XXXX as not showing on the credit report AT ALL, however XXXX  has the following info claiming to be accurate as XXXX XXXX XXXX  , ACC # XXXX**** High Balance : {$7600.00}, last payment XX/XX/XXXX, and Credit Limit : {$7000.00}, and XXXX  has the following info claiming to be accurate as XXXX XXXX XXXX, ACC XXXX XXXX**** High Balance : {$7000.00}, last payment XX/XX/XXXX, and Credit Limit : {$0.00}. If these are the same accounts, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please DELETE the following account from my credit profile immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an 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 XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Applied for mortgage XX/XX/22 as of XX/XX/22 loan still has not been approved. Hundreds of emails and submissions of documentation supplied as requested. Conflicting and capricious request, in attentive communication, promises that approval is eminent with just XXXX more submission which never occurs, confusing and dysfunctional submission procedures and platforms, no person with clear authority to direct complaints or address concerns or make a decision, no clear company customer service policy or apparatus. 
We currently have an existing loan with this company which has rolled over to a higher interest rate while we have attempted to get refinancing at a lower rate. Feel this poor treatment is to deter us from achieving a more advantageous loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. This account has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 15 U.SC 1681 section 602 A. States I have the right to privacy. 15. U.S.C 16881 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692. 


COMENITYBANK/VICTORIA Account XXXX XXXX {$520.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account # : XXXX {$680.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX {$1900.00} my remedy to this is for these accounts to be removed from all credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I no have any account with XXXX XXXX XXXX
Product: Mortgage

Bank of America sent me this FRAUDULENT DOCUMENT : IRS form XXXX for XXXX. 
How do I know if is fraudulent? It is because Bank of America has not held my primary mortgage loan since XXXX XXXX, XXXX. 
See letters attached from BofA dated XXXX, XXXX, and from XXXX dated XXXX/XXXX/XXXX I never received any money from BofA, or any correspondence from them ever. I never was awarded any loan modification. I was never paid any refund or credit, nor notified of any overpayment of interest. 
The outstanding principal information on the form is not correct as recorded. 
I had applied to the Bank of America on XXXX XXXX, XXXX for mortgage assistance on loan # XXXX ... .. due to financial hardship. Instead of replying to my application, without warning, they sold my loan. 
On XXXX/XXXX/XXXX I called I called, four times, the customer service number on the letter XXXX and got the following explanations and responses : This amount was from a loan modification ( I responded " I did not get any loan modification '' ) The amount was missed on the XXXX tax statement ( my loan was sold in XXXX XXXX ) The amount reflected overpaid interest in XXXX The amount was missed on the XXXX tax statement XXXX received overpay It is a write off on taxes I requested that they send me XXXX and XXXX tax records I was transferred to the YEAR END DEPARTMENT ( XXXX ) in order to get an explanation on the tax form. I was told the following : something was mentioned about a " post modification bank '' I questioned what this was and was told it was about my loan modification I told them that I never got a loan modification and that my loan was sold XXXX XXXX. 
The person I spoke with said it was to my benefit, and was all good. And, that I just have to give the form to my accountant. 
I questioned this as the form represents income I never received. 
I went to the IRS website to research the form XXXX and saw that it represented a payment or credit. 
I made my FOURTH call to customer service and I talked to someone named XXXX who reviewed my earlier calls. She set up an inquiry and gave me a case number
Product: Student loan

I would like to find out who owns my student loan. I was in negotiations with XXXX XXXX of XXXX XXXX   XXXX law firm representing XXXX XXXX XXXX XXXX XXXX to settle for a percentage of my debt in a one time payoff amount in the spring of XX/XX/XXXX. During that time, unknown to me, my mother filed bankruptcy. As of XX/XX/XXXX I was informed that they were no longer allowed to talk to me in order to resolve my debt. I have had my mother 's bankruptcy lawyer send over multiple times a Relief of Bankruptcy Stay in order to get someone to talk to me regarding the payoff for my student loans. 

As of XX/XX/XXXX I was able to get in touch with a helpful and attentive associate named XXXX XXXX now claiming to be with XXXX XXXX XXXX as the owner of my debt. Verbally she agreed to my payoff offer of 35 % of the total debt if I can get a Relief of Bankruptcy Stay. 

Upon consultation with the Bankruptcy Lawyer, XXXX XXXX XXXX. I was informed to request proof of ownership of the debt and a notarized agreement for the aforementioned settlement amount. When I emailed over these requests, I have heard nothing. 

This debt is keeping me from moving on with my life and I would like to find out who owns it so that I can negotiate a payoff.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised between XXXX ant XXXX. During this time several inquiries were made on my Experian report. I demand that these items be removed immediately. 

XXXX XXXX 1. XXXX 2. XXXX
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Account Number : XXXX Dear XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many inquiries on my credit report from Transunion, XXXX and XXXX. I already submitted a dispute with XXXX. 

I have a fraudulent alert on my credit report that the only time anyone can run my credit it is someone calls me over the phone to verify it is me doing the inquiry or that I am present at the store with a phone ID and representative calls in to their credit office. All my credit cards that I have acquired have been done with that process. I have asked requested disputes prior and they have been ignored by these XXXX major credit bureaus. They have asked for proof, the proof is on their report with a fraudulent report statement in there on site when you pull my report.
Product: Credit card

I have a credit card for our business with 5/3rd Bank out of XXXX, OH. I have had this card for over 10 years and in the past had done all of my business with 5/3rd until the 2008 housing crisis. At that time, I was trying to get another mortgage and a Senior VP at 5/3rd lied to me during those negotiation and was eventually fired for mistreating me. I then took all of my corporate business to XXXX Bank in XXXX, with the exception of this XXXX credit card. I have an excellent credit rating and I have paid on time for years. However, a month ago, I did not get my statement in the mail and before I realized that I had not paid it, my payment was 10 days late. The next month, I found that they had raised my interest rate from 9.24 % to 29.99 % just for being 10 days late. That is a penalty of {$220.00} per month! They have now informed me that this penalty will be in place for six months! Meaning that they are going to penalize me {$1300.00} for being 10 days late on XXXX payment. Clearly this is predatory. Certainly, they are trying to drive my business away. I have no problem with that, I just have a huge problem with how they are doing it. That is a lot of money for any small businesses and many would not be able to take their business elsewhere. This simply is wrong and I ask the CFPB to investigate this practice at 5/3rd Bank to see how wide spread this predatory practice is and how many businesses have been affected. Then I ask that you take action to get them to repay me and the other business victims for the money that they have literally stolen from us.
Product: Debt collection

After receiving several harassing phone calls from Pollack and Rosen I sent them a debt validation letter on XX/XX/XXXX. I received a letter back from them ( attached ) dated XX/XX/XXXX. The letter simply states who the debt is to - not Pollack and Rosen - and they included a one page copy of a billing statement dated XX/XX/XXXX. This is not validation of debt and quite frankly is ridiculous to send.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report twice and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

XXXX XXXX - balance is showing as {$1400.00}, dates open XX/XX/XXXX closed XX/XX/XXXX. 

XXXX XXXX ( aka XXXX XXXX ) - balance is showing as {$480.00}, Closed XX/XX/XXXX, opened XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

UPON ME REVIEWING MY CREDIT REPORTS I NOTICE A ACCOUNT THATS NOT MINE
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX, representatives signed for the certified dispute letters that was sent to XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX Funding for the accounts on my consumer reports. I have not been notified of status of the investigation neither did the company notify the credit bureaus for them to leave the comment required by law stating the the account was in dispute within 30 days. The companies mentioned above have broken the law and I'm requesting that the negative accounts be removed from my consumer report.
Product: Mortgage

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX Mr. Cooper Loan Number XXXX Dear Sir/Madam , I'm writing this letter to file a complaint against my mortgage company Mr. Cooper ( Nationstar Mortgage Holdings Inc. ) , as I feel I've been a victim of predatory business practices. 

I'm currently in XXXX XXXX bankruptcy. My mortgage and auto loan are not in the XXXX. Back in XX/XX/XXXX, I got 3 months behind and requested a repayment plan. My XXXX attorney wanted {$1000.00} to do this ; however, I didn't have the funds. So, she instructed me to deal directly with Mr. Cooper 's appointed lawyers ( below ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX ) XXXX XXXX I negotiated a repayment plan with them ( Please see attached email and Motion for Relief ). I signed the document and sent the document back. I agreed on making my regular mortgage payment, plus an additional payment of {$890.00} till XX/XX/XXXX to cover the past due balance, plus they added close to {$1500.00} in 'junk fees ''. However, a few months later, I had a lawyer review the document. She informed me that the paper I signed wasn't just for the repayment plan ; it also included that I waived my rights, and they could fast-track a foreclose. Neither my lawyer nor Mr. Cooper 's attorneys ever told me that -I was waiving my rights. If that had been cleared, I would never have agreed to the repayment plan. 

( I tried reading the document ; however, I must agree the legal language was beyond my comprehension ). I'm sure Mr. Cooper knows there is plenty of equity on the property, and I assume that's why they pulled a fast one to take advantage of my situation. 

In XXXX, I got approved for Emergency Mortgage Assistance through XXXX XXXX, CO ( please see the approval email and communication ). On XX/XX/XXXX, they mailed Mr. Cooper a check ( check number # XXXX ) through their bank for {$6000.00}. According to Mr. Cooper, they never received the check, which is untrue as according to the XXXX XXXX Emergency Mortgage Assistance Advisor ( XXXX XXXX ), Mr. Cooper not only received the check but also even cashed it. I've spent many hours with Mr. Cooper with no luck. Recently The XXXX XXXX Emergency Mortgage Assistance emailed and faxed Mr. Cooper a copy of the cleared check. As per Mr. Cooper 's representative " XXXX '' ( out of AZ ( XXXX ) XXXX ), she is going to request an investigation, and she couldn't tell me how long it would take. 

My take on this is Mr. Cooper intentionally did this so they could start a fast-track foreclosure ( as I mentioned earlier, how they duped me in signing ) as there is a good amount of equity on the property.