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

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " 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. '' Experian is a consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801. XXXX XXXX is a financial institution by definition under that title. 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX is the financial institution and the Consumer reporting agency Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Experian and XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX XXXX and Experian never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. I also sent an opt out letter to XXXX XXXX, in which they have not responded to. The law states that the company has 21 days to respond and they have not, as of yet.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OFFICE OF THE ATTY GEN XXXX, XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Experian continues to keep incorrect information on my report, name, address and account information. Only the correct personal information should be on our reports.
Product: Mortgage

1. I was with XXXX XXXX XXXX  XXXX until XX/XX/XXXX when I received a letter that my mortgage has been transferred to a new company called NewRez LLC mortgage company located in North Carolina. I also received annual escrow statement and shortage {$270.00} in my escrow from XXXX XXXX XXXX instructed to forward the payment to the new mortgage company, NewRez LLC before XX/XX/XXXX. 
2. I issued a check in the amount of {$270.00} to NewRez LLC according to the statement indicating my monthly mortgage payment will decrease from {$1100.00} to option 1 amount of {$1100.00} including taxes and insurance. recieved My mortgage was transferred from XXXX XXXX XXXX to NewRez LLC effective XX/XX/XXXX with a monthly payment of {$1100.00}, including taxes and insurance. According to the notification letter from XXXX XXXX XXXX, there will be no changes to my mortgage policy with NewRez LLC. Nevertheless, NewRez rather started billing various inaccurate statements with increased payments monthly even though my mortgage was at a fixed rate. The Monthly statements are attached for your verification. 
3. I contacted NewRez LLC several times to make my complaints, but to no avail. Afterwards, I wrote an official complaint letter to the company, but received a response stating my assigned mortgage company is located in New York and should be the correspondent to contact. Refer to the attached letter for your verification. Initially, I was never aware of NewRez LLC because I never requested the mortgage company to take over my mortgage policy from XXXX XXXX XXXX, and neither have I requested a loan from NewRez LLC. I am currently paying the supposed amount of {$1100.00} monthly mortgage after NewRez LLC received the escrow shortage of {$270.00} paid to the company on XX/XX/XXXX, which took effect in XX/XX/XXXX. 
4. The following documents are available for your verifications : a. XXXX XXXX Annual Escrow Disclosure Statement b. Copy of check for escrow shortage issued to NewRez LLC in the amount of {$270.00} c. XXXX XXXX XXXX notice of service transfer d. Transfer notification letter from NewRez LLC Mortgage e. NewRez LLC reply letter f. Complaint letter to NewRez LLC mortgage company. 
g. NewRez LLC mortgage statements for XX/XX/XXXX - {$1100.00} h. NewRez LLC mortgage statements for XX/XX/XXXX - {$1100.00} i. NewRez LLC mortgage statements for XX/XX/XXXX - {$1100.00} j. NewRez LLC mortgage statements for XX/XX/XXXX - {$1100.00} k. NewRez LLC mortgage statements for XX/XX/XXXX - {$1100.00} I  had a fixed rate and yet my mortgage statement is changing increasingly every month. I only have few years left to pay off my mortgage. But NewRez LLC is rather breaching my mortgage agreement policy by wrongfully increasing my payment rates in order not to have any other choice but to refinance my mortgage.
Product: Credit reporting or other personal consumer reports

there are a lot of information on my credit that is not correct. I need these items to be remove from my credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX elan finanical services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Purchased vehicle on XX/XX/2020. During negotiations we repeatedly told the sales person we did not want to pay more than {$400.00} a month, he kept trying to get us to budge and we stated no time and time again. We finally agreed on {$400.00} a month with a 75 month term. We meet with a woman in finance to sign paperwork, the only thing she verbally tells us is that we were approved. She did not tell us the terms - this includes the APR, how many payments ( months ), or what the payment will be. She presents us paperwork and points  where to sign, and then gives us a digital keypad and tells us to sign. I found it odd that nothing else was ever discussed regarding the loan terms, but my husband was getting this vehicle under a sensitive nature and I did not want to intervene, I assumed the negotiations had already been discussed so it would be fine. We received a generic packet in the mail that had our account number so I was able to open our account online to pay the bill and this where we learned our monthly payment was higher than we discussed. Right away my husband called the dealership to discuss, he first got the sales person we worked with and he referred us to the finance person, my husband left a message on their voicemail. We did not hear back. My husband called two more times and did not receive a response. I wrote a review on XX/XX/XXXX on XXXX and a couple of other sites and then finally someone contacted us, but even then they write I am sorry we were unable to find you in our database - my first and last name was listed, are co-signers not in the databases of XXXX? It felt like they were trying to make my review look less legitimate. I wrote with someone via XXXX messenger and after a few attempts and messaging with several different people over who would help me and a day later the finance person spoke with my husband and basically said what we discussed with sales was only ballpark and we signed paperwork and there was nothing she would do for us. We did not find this answer acceptable and I wrote Toyota corporate XX/XX/XXXX, XXXX, XXXX and XXXX - the first two times they responded someone would be in touch, the last two there has not been a response. I have backup emails and messages from XXXX  along with my previous written reviews. Deeply disappointing experience and we find in upsetting that no one is even trying to resolve it with us.
Product: Credit card or prepaid card

Credit card act of XXXX requires issuers place payment allocation to highest interest balance first. To my surprise Home depot has policy that if promotional balance expires 60 days, payment will apply on promotional balance first instead of highest balance first. I have document showing that promotional balance expires in XX/XX/XXXX, while I had purchase an item in early XXXX using credit card which subject to 29.99 % interest, then on XX/XX/XXXX, which is after my last billing cycle I paid more than the cost of the item I purchased few weeks earlier, guess what? That money paid off promotional balance fully leaving interest bearing balance alone forcing me either pay off the remainder of the balance or subject to interest charge in XX/XX/XXXX. 
This is not the first time, but repeated to the point I started to notice the pattern, I decided look up at their website, they have the page where debtors can rearrange promotional balance but none for interest bearing balance, I find this not justified and clear violation of Credit card act of XXXX.
Product: Debt collection

My credit report is showing National credit systems ( XXXX XXXXXXXX XXXX ) is reporting fraudulent information on my credit report. This account is preventing me from fair housing. Why should I be homeless because of this harmful information. The address that they have on file is not my address.
Product: Debt collection

There appears a collection report on XXXX that is not mine. I have filed a dispute with XXXX, and called the XXXX XXXX to get this removed. The collection agency says it can not remove it without an account number that I must provide them. Since this is not my debt how an I supposed to do that? See Below. My credit rating has been lowered by XXXX points because if this error. 

Date Reported : XX/XX/year> Collection Agency CAINE & WEINER COMPANY INC Original Creditor Name XXXX  Date Assigned XX/XX/year> Original Amount Owed {$85.00} Amount {$85.00} Status Date XX/XX/year> Status UNPAID Balance Date XX/XX/year> Account Designator Code XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor Classification XXXX  Last Payment Date Date of First Delinquency XX/XX/year> Comments Contact CAINE & WEINER COMPANY INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Disputes
Product: Credit reporting or other personal consumer reports

I recently check my credit and seen accounts that I did not recognize. These accounts were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX my Amazon Store Credit Card was used to purchase two XXXX gift cards, one for {$70.00} and one for {$44.00}. These purchases were reflected on my XX/XX/XXXX statement. I contacted both XXXX and Synchrony Bank, which processes XXXX charges and payments and advised them that I did not make these purchases. On the same XX/XX/XXXX statement I was given credit for these purchases. See the following pdf file. 
XXXX XXXX XXXX XXXX XXXXXXXX % XXXX. 

On my XX/XX/XXXX statement from Synchrony Bank I was again billed for these two transactions. I was advised by Synchrony bank that it believed that I had made the purchases as there was no proof that I did not. Its representative advised me to contact the FTC. I did so and was advised that it could not help me and to contact your agency which I am now doing. I did not make these purchases and should not have been charged for them. Please advise.
Product: Debt collection

I received a letter in XXXX XXXX from XXXX XXXX XXXX who claimed to be a student debt relief party that could forgive and/or consolidate student debt. I called the number on the letter and they explained the student loans get transferred to them into one loan and I pay them going forward. I entered the agreement on XXXX XXXX, XXXX. It was a fee of 2 {$390.00} payments and then {$39.00} every month for 240 months, which I have been paying through ACH transferred with my bank. The document has my personal information and bank account and routing on it. So they have my identity and access to my funds. I caught on because my loans are still provided by EdFinancial and have never been transferred and all these payments I have made for TWO YEARS are NOT in the EdFinacial payment history. The website, phone number, and email on the document is totally fake they dont connect to any domain, service or webpage. I called them at the number theyve been calling me and obviously tried to tell me they are not a scam but they can close my account immediately, which a real student loan provider can not just close your loans immediately. I have lost almost {$1700.00} to this scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent paperwork from a creditor stating they would delete a account because it has been satisfied .... two out of three credit bureaus complied I AM ASKING TRANSUNION COMPLIES AS WELL and again am resubmitting the letter
Product: Money transfer, virtual currency, or money service

Failure to safeguard financial transactions against fraud
Product: Credit reporting

Incorrect reporting of my status by Experian The status under federal law needs to be reported as Mortgage included in Bankruptcy. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Mortgage Loan # XXXX United States Bankruptcy Court for XXXX XXXX XXXX XXXX Florida Bankruptcy Chapter XXXX Case Number XXXX Filed XXXX Debtor : XXXX XXXX XXXX SS # XXXX Experian needs to correct my account status as Mortgage included in Bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, EQUIFAX has violated my rights. Title 15 U.S.C 1681 section 602 A, states I have the right to privacy. Title 15 U.S.C 1681 section 604 A Section 2 : It also Staes a consumer reporting agency can not furnish an account without my written instructions and/or written consent.
Product: Debt collection

I receive repeated phone calls from Portfolio Recovery to my cell phone number while I am driving and I believe they are calling other family members and hanging up. I have even receive text messages from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX before submitting the lease application to XXXX XXXX XXXX I noticed a significant decrease in my credit score, appeared to be caused by " XXXX XXXX XXXX XXXX and " Hyundai Motor Finance '' making initial inquiries of my credit on XX/XX/2023 Although I was approved by the above refenced lenders, I have not proceeded with the lease because the credit reporting bureaus keep sending fraud alerts about inquiries from these same companies! 

Complaint : The companies appear to running credit checks on me without my consent. 

Applicable Questions : XXXX. How do they run credit checks before I submitted the application? 
XXXX. How do they continue to run credit checks on me after the application was approved? 
XXXX. How do I stop it?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.I feel like I am being taken advantage of and being ignored of my disputes.Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to stress you cause me.
Product: Credit card

Fraudulent Lowes business credit account opened on or about XX/XX/. I never applied for this account this is not me. My credit/identity has been compromised. Charged {$8200.00} to the said account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX said account was not derogatory/owed however sold to Fair collections outsourcing during Covid-19.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries appearing on my credit report. XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX. XXXX XXXX. 


XXXX accounts appearing on credit report.
Product: Mortgage

Mr. Cooper was sold my mortgage information from XXXX XXXX XXXX on. XX/XX/XXXX. I submitted a validation of debt request XX/XX/XXXX. They responded with a statement of account and a copy of my note and mortgage. XX/XX/XXXX, I sent the second request for validation of debt under the FDCPA. Again, they reply with a statement of account and copy of my mortgage and note. Mr. Cooper has no contract with me. Below is a list under Title 15 of all the violations they have committed : 1. 1605 ( a ) Minimum Payment Charge 2. 1692b ( 2 ) False representation. All caps name, stating consumer owes debt 3. 1692b ( 5 ) Using a symbol on any correspondence 4. 1692c ( a ) Communication without prior consent 5. 1692d Harass and oppressive use of XXXX about alleged debt 6. 1692d ( 2 ) Obscene/profane language accusing me of owing an alleged debt 7. 1692e Using false, deceptive or misleading representations 8. 1692e ( 2 ) ( A ) False Representation 9. 1692e ( 8 ) Communicating false debt 10. 1692e ( 9 ) Use/distribution of communication with authorization or approval 11. 1692e ( 10 ) False deceptive means to collect a debt 12. 1692e ( 12 ) False representation/implication 13. 1692f Unfair practices 14. 1692f ( 8 ) Using symbol or language on envelope when communicating 15. 1692f ( 6 ) ( 8 ) Threatening to disable or dispossess property 16. 1692e ( 2 ) ( A ) False representation of the amount of any debt 17. 1692e ( 5 ) Threat to take illegal action All of these violations come with a {$1000.00} fine and I request that I receive restitution for these violations dating back to XX/XX/XXXX. 
I also submitted a Request for Accounting Via Mr. Cooper website portal on XX/XX/XXXX pursuant to Rhode Island General Laws 6A-9-210 U.C.C. 9 210 and other applicable laws. This communication is with reference to the alleged contractual relationship, I have a right to an authenticated record of accounting. I am not requesting a statement of account. I am asking for an authenticated record of the accounting. I am also requesting all initializing documents including a copy of the REMIC filing. I am hereby disputing the alleged debt, and to require that you provide the requested information within the time allotted by law, which is 14 calendar-days. They are still sending me statements in the mail. This is supposed to be estoppel. I have no Contract with Mr. Cooper. They have no security interest and can not validate or verify any alleged debt. I fired any and all powers of attorney with regard to my property in XXXX of XXXX. They had a duty and/or obligation to respond with the appropriate information within the time frame allotted and or permitted by law, in conjunction with other related laws and/or statutes of limitations. Because this is associated with a debt that is being reported the following principles associated with my rights applies respectively, THE FAIR DEBT COLLECTION PRACTICES ACT, THE FAIR CREDIT REPORTING ACT, and/or THE TRUTH IN LENDING ACT, penalties and assessments and/or failure to act and/or failure to comply with the statutory requirements.
Product: Debt collection

I've been a victim of ID theft and have multiple accounts opened in my name. I've taken EXTREME precautions to get my life back. Currently, I've I have freezes on my SS #. 

This Debt was successfully disputed, removed & closed XX/XX/XXXX XXXX  XXXX SAME DEBT was purchased by a XXXX XXXX file # XXXX for {$5700.00} beginning XX/XX/XXXX then placed on my credit report AGAIN! This caused my score to drop 57 XXXX XXXX XXXX points which is ludicrous!!! 
To my understanding, it is illegal for third party debt collectors to place anything on a credit report. 

XXXX ( Whatever that stands for ) has not sent any formal letters to my address identifying who they are, what this debt us, or given me ANY personal details about the debt other than an amount and name of creditor. They know NOTHING about me at all!!! They use to robo-dialing that hangs up when you answer so you can't event talk to them!!! These are such unprofessional and unwanted business practices! 

I don't owe this debt. Please assist, Thanks!