23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I, XXXX XXXX, consumer and creditor in fact am speaking on behalf of myself with no third party assistance. My privacy has been breached by Fedloan Servicing. All of my nonpublic personal financial information has been shared and this is required to be private according to the Gramm Leach Bliley Act. I did not consent for my information to be shared to any consumer reporting agencies. I demand removal of this information as this is a breach of privacy. Please see attached exhibits for proof that my data has been shared by you without my consent,
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 4 accounts on my credit account that are not mine they do not belong to me in any way I do not shop I dont have any cards like that I have not signed or approved anything like that!!! 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2021 XXXX
Product: Credit reporting or other personal consumer reports

Amongst the FCRA, GLB Act, and other higher level regulators, Equifax is not following mandated rules of construction for consumer reporting agencies. Equifax has been securitizing consumer data. They are running a criminal organizations via the information from my consumer file. They are in direct violation of their contract they have on file with the SEC, I have access to their XXXX bond #, SEC # XXXX, and I will file a treasury OMB form 211 to audit my consumer account. As a Beneficial Owner/Investor in Equifax per their prospectus form, I have a request.
Product: Credit reporting or other personal consumer reports

in accordance to the fair credit reporting act. This creditor has violated my rights. Under 15usc1681 section 602 states I have the right to privacy. 15usc1681 section 604A section 2 also states the consumer reporting agency can not furnish an account without my written instructions. Under 15usc1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Mortgage

I started seeking a loan modification at the begining of 2013. I have submitted all the documents requested for modification. Every time there are excuses from my servicer for incomplete documentation. Recently, I submitted all the documents they had asked and someone called to inform me that I do n't qualify because I have $ 300+ remaining after all expenses. I got divorced few years ago and I have XXXX XXXX I am taking care of. I do n't want to loose my house to foreclosure and I need assistance from CFPB to help get loan modification so that I can remain in my home.
Product: Credit reporting or other personal consumer reports

I was looking over my report and seen an derogatory remark on my file my rights have been violated by XXXX XXXX XXXX  under 15 U.S. Code 1692b - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communicationrelates to the collection of a debt ; and ( 6 ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Name : XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Employer : XXXX XXXX XXXX XXXX Date Updated :XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and letter from an advocacy group helping me due to Human Trafficking dept bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four day business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 
Please delete the following accounts. XXXX XXXXXXXX XXXX XXXXXXXX {$6100.00}. XXXX XXXX XXXXXXXX XXXX {$1100.00}. XXXX XXXX - XXXX XXXX.
Product: Mortgage

This summer is shopping for a HELOC loan. I called my mortgage company I was told that they would offer me XXXX for XXXX a month payment for 30 Years. My house note is XXXX a month. During this process XXXX XXXX, Licensed Lending Officer, NMLS # XXXX, ask me where I received my income from ; I explained to her that I received my income from XXXX benefits, retirement, social security and rental income. She notices that the income from rental paid the house note after I was told the offer I just ended the phone call. 

I feel that this entire industry is against minorty. The properity I purchase is duplex, the prpoerty was asis. The plumbing need serouse attention. This was told to the loan officer whom came up with this redicqulouse quote of XXXX a month payment just insane. 

After giving me that redicoulouse quote she kept send email for a loan. 

I through about for a long time before initiating a complaint. My complaint is the greed to double a house note just to have the funds to fix up the property. I really that there a hidden agenda to put senior in harms way to still their property.
Product: Vehicle loan or lease

I bought a car from Drive Time with payments that were very high and was paying . XXXX XXXX XXXX the back panel of car kept coming off the whole windshield wipers hoses were corroded that It could not be fixed unless I paid for it. The Air Conditioner started going this in less then a year. No one would help me so my only option was to give it back and I got a letter from them that it sold for XXXX dollar's when they wanted over 10,000 from me.
   This I want removed and I am a Senior and felt like I was taking advantage of as no one cared to help me with these problems.
 Thank You
XXXX XXXX
XXXX
Product: Credit reporting

My XXXX student loans defaulted and I have been paying The Law Offices of XXXX XXXX XXXX, XXXX. I paid off one of my loans in full and even have a letter from the lawyers office saying so. It still says I have a balance of {$75.00} on my credit report. I tried contacting the lawyers office and they told me to contact XXXX who has done nothing but hang up on me and say its not their problem. I am not sure what to do at this point to get this off my credit report as everyone is just pointing fingers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : LexusNexis They are reporting incorrect information regarding vehicle accidents that I was not involved in. I received a letter of experience from XXXX that shows that I am not at fault on any of these claims. The dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX Experian XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Product: Mortgage

My loan was sold to new company, Mr. Cooper. They did not pay for insurance renewal when funds were in escrow. Insurance company was aware of sell and Mr. Cooper cashed claims check for previous damage during the time they failed to pay renewal of insurance. When I was notified my home did not have insurance I obtained a new policy within days of notification and provided Mr. Cooper with proof of Insurance. Mr.Cooper claims to have purchased insurance which was back dated six months and wants to charge me {$2000.00}. The policy supposedly purchased by Mr. Cooper was purchased in XXXX and was supposedly effective XXXX of previous year, when I provided proof of insurance when they notified me of the situation. They said on recorded line they only knew of the situation on XX/XX/XXXX thought the policy they claim to purchase was supposed to be in effect. The insurance company that made the false paperwork, XXXX, is also owned by the same investment group. I called for assistance in the situation and was offered no help. I recorded the conversation. I was told the issue would be submitted for review and I would be contacted. Over two weeks have passed and I have not gotten a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Equifax and where told they can not remove these inquires off my report I need proof that I made these inquires called the companies and they have no knowledge of the accounts but Equifax still will not remove ... .. 
XXXX XXXX XXXX XXXX XXXX XXXX & XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX showed two times in one day XXXX/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

During 2022, many accounts appeared on my credit reports that I have nothing to do with and do not belong to me. As such, they should be removed from my report, however, regardless of multiple attempts, I have been unable to successfully complete dispute process to remove some of the errors from the reports. I am using this CFPB complaint as a last resort prior to having to result in legal action to have my credit reporting corrected.
Product: Money transfer, virtual currency, or money service

I will refer to a previous complaint I filed a year ago XXXX which has been closed. I tried to transfer funds from my Navy Fed account in the XXXX to my XXXX XXXX account here in the XXXX using a credit transfer. This failed due to the fact that Navy Fed does not do credit transfers to foreign credit cards, but still processed my application and sent a CHECK to XXXX XXXX. 
I have been in contact several times with representatives from both Navy Fed and XXXX XXXX each working with-in the Office of the XXXX. With the time difference from me in XXXX XXXX XXXX and there XXXX offices, it has been hard to keep in touch. XXXX have sent a CHECK back, but It hasn't been seen at Navy Fed. I have had to call back to have XXXX to cancel the check and send another to an updated address. I have not heard if it has arrived. I have requested they the XXXX offices need to call each other to sort this issue. Both have declined to follow my suggestion/request. 
It has now been over XXXX  years since this issue accord. I need the money back that never arrived plus re-imbursement for the credit card payments I have been and still are making. I also feel that XXXX XXXX should provide compensation for the interest earned while the funds have been in there holding account. After all I don't have an account with them so they should never have deposited the check. Why are they still sending CHECKS between banks for money transfers?
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SEND ABOUT 4 TO 5 LETTERS TO EXPERIAN CLEARLY ASKING FOR PROOF AND I WAS TOLD BY AGENT XXXX ON OR AROUND XX/XX/2018 WE DON T HAVE ANY PROOF OF THESE ACCOUNT ARE YOURS.. AND WE CANT VERIFIED THEM AT ALL .. 


ON XX/XX/2018 I CALLED XXXX XXXX XXXX ASK FOR PROOF OF THE ACCOUNT THE AGENT XXXX ID # XXXX THIS ACCOUNT IS NOT IN OUR SYSTEM. I ASK THEM DID EXPERIAN CALL HE SAID NO I ASK THEM HAVE THEY HAVE ANY CONTACT WITH EXPERIAN HE SAID NO : XXXX XXXX XXXX NUMBER # XXXX DELETE NOW ./ NO RECORD NO FILE NO INFORMATION 609 PROTECTS ME AGAINST FALSE REPORTING AND I SHOULD POINT OUT HERE THAT THAT'S EXACTLY WHAT THIS IS!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 


THE XXXX XXXX XXXX ACCT # XXXX I CALLED THIS ON XX/XX/2018 TALK WITH AGENT XXXX ID XXXX I ASK HER DID I HAVE ACCOUNT SHE SAID NO FILE FOUND SECOND QUESTION ASK DID EXPERIAN CALLED OR EMAIL SHE SAID NO ... 
UNVERIFIED INFORMATION NEEDS TO BE DELETE NOW FIX CREDIT SCORE BACK TO XXXX THANKS GOOD DAY THIS LETTER WILL BE SEND TO THE ( FEDERAL TRADE COMMISSION ) THE SUBCOMMITTEE ON BANKING, CREDIT AND INSURANCE, AND THE DEPARTMENT OF BUSINESS AND PROFESSIONAL REGULATIONS ( DIVISION OF CONSUMER COMPLAINTS. )
Product: Vehicle loan or lease

I leased a new XXXX on XX/XX/XXXX I suffered debilitating injuries from a slip and fall on XX/XX/XXXX. I could no longer afford my car cause I was on XXXX. MB financial suggest that I voluntarily turn the car in which would save me from a repossession. Now in my credit report it says that it is a charge off and that over 19k is owed. MB financial did not tell me this was going to happen. I called MB financial in regards to this and they were not helpful at all. Now I can not get a car loan or a mortgage because of this. My hands are tied and do not have the XXXX or any money to pay for a car that I no longer lease. 
Thank you
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth :XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant of inaccurate late payments I reviewed my Consumer Reports and noticed that I had a late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand this payment be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax Information Services LLC in regards to identity theft I am experiencing and they have failed to follow the law. Pursuant to 15 U.S. Code 1681c2 - Block of information resulting from identity theft, this company is in clear violation of the law and needs to be held accountable. They sent a letter stating I failed to verify my identity but I will include the extensive documentation that I also provided to them that I sent in a packet via USPS certified mail tracking number XXXX. My identity theft affidavit was also notarized at the local sheriffs office. Please see attachments! I will also be contacting the XXXX XXXX XXXX and my states Attorney General in regards to this violation of the law that this company have commited.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This complaont is about loancare, a servicer for XXXX XXXX. I have been on a forbearance with covid and loss of income over the last year. I finally was ready to modify my loan, which was the only option because I didn't have all past due available from forbearance. I was mailed a packet. My wife and I filled it out promptly and mailed and XXXX and faxed it back. They claim to have been missing information. But the time we sent said information that we were never told about, they closed our application. We started a new application. We did the same with updated bank statements, paystubs and everything required. They claimed to not have gotten out information when I called several weeks later. We have a copy of the signed certified mail saying they received the complete packet. We also faxed these documents to the number they provided. A month later they claim our information is outdated and missing documents when we know for a fact that we sent all of what they are asking for. They are rude and fighting me every step of the way and all I want tondo is get back on track. We are in constant fear of foreclosure and fees they are charging. I've taken tome off of work to deal with this company, I've lost time at work because of XXXX from dealing with this company I am at a loss on what to do with them. I even have another company that will refinance once the mortgage is current but I can't get it current until the loan modification is completed. I need help dealing with this company and they are not providing any useful contacts.
Product: Mortgage

My client, XXXX XXXX XXXX, submitted an application to refinance XXXX homes. It was a very long process. She provided all the information needed. Eventually a loan was offered. She approved of the terms and went forward. Closing disclosures were sent to her on XXXX XXXX for the XXXX properties. She signed with a notary sent by the closing agent. She submitted a check for the cash due. About seven days passed when the lender ran a new credit report, found her score had gone down, and denied her the loan on the terms she signed for. A new offer, with more expensive terms, was then offered to her.
Product: Credit reporting or other personal consumer reports

I have a number of inquiries on my credit report I do not recognize, I would like to see my signature on these applications so I can take to police and file a police report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter to Experian regarding the unverifiable, invalidated, inaccurate, and questionable accounts on my report. Instead of handling my disputes they accused me by stating that I used a third party credit repair agency. I feel totally violated and I hope the CFPB does something about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is EXPERIAN 's duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting 1 inaccurate late payment for the XXXX XXXX XXXXXXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/2021. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes this late payment resulting in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish this inaccurate late payment on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and I found errors on my report from accounts I did not provide my written instruction. According to 15 USC 1681 I have a right to privacy and a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting

Experian called me, did not leave a message and will not tell me what they called about
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues with missing information on my credit report. I have a XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX  XXXX OH XXXX. My account is not showing on any of my credit reports.