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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report and seek resolution under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 1681o, which addresses civil liability for negligent noncompliance.

I recently reviewed my credit report, and I identified inaccurate information I kindly request that you : 1. Investigate these inaccuracies promptly as required under 1681i of the FCRA.

2. Provide me with a written statement of the results of your investigation and a copy of my updated credit report.

3. Remove or correct the inaccurate information if your investigation confirms my claim.

Failure to address this matter accurately and in compliance with FCRA requirements may result in liability for damages under 1681o, including actual damages, costs, and attorneys fees. 

Please confirm receipt of this letter within 10 days and inform me of the steps you are taking to resolve this dispute. I look forward to your prompt response. 

Thank you for your attention to this matter. 

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

On XX/XX/2020, ONLINE INFORMATION SVCS added a derogatory mark on my credit report per XXXX XXXX and XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill saying its mine. According to the FCRA, ONLINE INFORMATION SVCS has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like WORLD FINANCE TO REMOVE AND DELETE from all XXXX credit bureaus due to inaccurate information and releasing information without my consent. I noticed the following accounts had a discrepancy in the payment history section. These charged off accounts is reporting payment history each month when it should not since the accounts has been charged off. This is falsely manipulating the statute of limitations which is FRCA violation. Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please DELETE these item immediately and I have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report. Consider this complaint as a follow-up to my previous attempts to complain. 
XXXXXXXX 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

My mortgage company Nationstar is forcing me to pay 50 % higher monthly mortgage payments, even though I signed up for a FIXED 15 year loan. 
In XXXX this year, Nationstar has been demanding, that I pay my monthly mortgages into an " escrow account '' instead the usual " mortgage account ''. just because I was late paying my PROPERTY taxes last year, NOT my mortgages, which I paid always on time since the start of my loan 9 years ago. 
Their Escrow accounts are for future property debts. 
Since I have been paying my property taxes myself since the start of the loan 9 years ago, and was only late paying the property taxes once during that loan period, ( but am up-to-date ). why should I let Nationstar pay my property taxes from now on?, Obviously Nationstar does it, so that can demand huge upfront monies for future property taxes and higher monthly mortgage payments. 
In my case they are demanding XXXX -- for future property taxes and an increase of 50 % in my monthly mortgage payments, even though I 'm up-to-date with my property taxes and mortgage payments. 
I refused to be pushed into their escrow account and kept paying the same monthly mortgage payments. 
Nationstar retaliated by informing all credit rating agencies, that I had NOT paid my monthly mortgages for 5 months, which is an outright LIE. 
I paid the mortgages, but refused to pay their higher added-on monthly escrow fees and 50 % higher monthly mortgage premiums. 
Because of the blatant lie to the credit agencies by Nationstar, my previous excellent credit rating has dropped down to XXXX. 
Nationstar can not tell the credit agencies, that I did not pay my mortgages - that is an outright false statement. 
They can only state, that I refused to pay their added monthly exorbitant escrow fees, which is in dispute between us. 
.And because I supposedly have not paid my mortgages for the last 5 months ( which is a lie as I just mentioned ), they had the gall to start foreclosing on me too! 
Ruining my credit and now foreclosing? 
This should not be tolerated, I need help from your agency. 
My telephone calls got the go-around, my written communications got no response. 
Please read " XXXX '', enter Nationstar, and you 'll see, there are innumerable complaints against this company.. 
Nationstar is a predatory Mortgage company in my opinion, they seem to prey especially on elderly people like me, hoping they wo n't fight back. 
They make it impossible for mortgage holders like me, to protest or get into touch with a manager to resolve any dispute. 
It seems to be designed that way, please read other complains on " XXXX ''.
Product: Credit card or prepaid card

Ever since COVID-19 started, Direct Express has not provided my brother access to his monthly Social Security Checks. The card is under my name as I am his guardian.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I received a letter from XXXX wherein they updated a delinquency for XXXX on my XXXX account to " current ''. XXXX indicated that they provided this information to the 3 major credit bureaus and that information should reflect as " current '' within 45 days. Today ( XXXX ) I pulled my credit report and that has not been updated.
Product: Checking or savings account

I transfer in {$1500.00} on XX/XX/XXXX. In XXXX and XX/XX/XXXX statement, the ending balance is over {$1500.00}. So I thought I should not get any monthly service charge because my balance is over {$1500.00}. 
I did not get any paper statement. I did not login to check my account until this XXXX. I found I got charged {$12.00} every month, total near {$300.00}. 
I called Citi bank on XX/XX/XXXX, I was told that she could not see my XX/XX/XXXX balance. Then transfer to supervisor XXXX. He told me same, he could not see my XX/XX/XXXX bank statement. He could not help me much because they could not get my balance in XX/XX/XXXX and asked me to go to local branch, although I was able to see my XX/XX/XXXX bank statement online during the call. There is no Citi branch within 200 miles of my place. 

I have XXXX begin balance and end balance in XX/XX/XXXX. Then I got $ XXXX  monthly service charge every month since XX/XX/XXXX. I did not know it because I have never gotten a paper bank statement. 

I got 2 monthly fee refund on XX/XX/XXXX. 

I transferred in {$300.00} on XX/XX/XXXX, bring my balance over {$1500.00}, so I should not get any monthly service charge. 

I checked again on XX/XX/XXXX, I found I still got monthly service fee on both XX/XX/XXXX and XX/XX/XXXX. Glad I transferred in extra money to make my balance is still over {$1500.00} after the $ XXXX   monthly service fee, otherwise I would keep getting charges. 

I called Citi bank again on XX/XX/XXXX, they tried to waive my two monthly service fees and got declined. Then the phone was disconnected when I was waiting for talking to the supervisor.

The bank statement was really confusing and the bank kept charging  me even my balance is over their minimum balance requirement to waive the monthly service fee. They could call me, or send me a paper statement, rather than keeping charge me. 

Please waive all of my monthly fee over since XX/XX/XXXX. 

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

XXXX   XXXX ,  2017  I applied online for  a Khol 's Dep artment store credit card. I answered some fraud information questions and at the end of the application it stated I would receive a letter in 10 days. On  XXXX   XXXX ,  2017  I received a letter from Kohl 's stating " unable to verify fraud information '' and was denied credit. I called the company and asked why was I denied credit because Kohl 's did not make an attempt to telephone me to verify my identity due to a fraud alert on my credit file. The Representative was agitated and stated there was nothing she could do and the decision was final. I re-applied a week after that for credit, answered the identity questions, and once again, I received a letter on  XXXX   XXXX ,  2017  stating " Unable to verify fraud information ''. I never received a telephone call to verify my identity. Kohl 's department  Store  deliberately denied me credit. They have improperly used my credit report and fraud alert information. Kohl 's is refusing to correct this matter.
Product: Credit card

XX/XX/XXXX : Attempted to use a recently opened Citi XXXX XXXX Mastercard to book a flight on XXXX XXXX 's website. The card purchase failed and the website instructed me to call my credit card issuer. 

I called Citi using the provided number at XXXX PDT. They were able to identify my account and I successfully provided my security word. However they asked to text me a code to my mobile number, which they were unable to complete. 

They told me they'd instead send me a letter which would arrive in a week, after which I could call to unlock the card, but I declined this saying that this would not allow me to make the flight purchase and that was the entire reason I applied for this card - for the 0 % APR until XXXX. 

Since this card was now useless to me, after successfully making my flight purchase using another non-Citi card, I called Citi once more at XXXX PDT to close the account, and due to feeling bait-and-switched, I did not want Citi to benefit in any way from having this account open, inflating any of their metrics, nor did I want to receive any communications about it. 

The service agent told me that I could not close the account because my account was under investigation. I am concerned that this may affect my credit score and ability to open other accounts, and I think it's outrageous that after preventing me from using the card, and being unable to verify me on the phone, that they are now are preventing me from closing the account.
Product: Debt collection

I tried to contact XXXX XXXX directly because I knew I was late because a client had not paid me and I have now had to file a lawsuit. XXXX XXXX said I was a day late and they had sent me to collections and they could not help me. At that time the amount was around {$40000.00} but I could not even confirm this amount and they said they tool almost XXXX in points. On XX/XX/2020 I received a debt collection letter from XXXX XXXX which said I owed {$52000.00} which I had paid {$12000.00} directly to XXXX. Then on XX/XX/2020 I received a notice that I owed {>= $1,000,000}. These amounts were disputed and now I am getting debt collection notices from Nationwide Credit , Inc. saying I owe {$44000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account but they changed the account to dispute without first delivering the results to me. is very bias as I do not know if they ever investigated these accounts. 
XXXX XXXX XXXX XXXX XX/XX/2013 XXXX XXXX XXXX XXXX XX/XX/2013 XXXX XXXX XX/XX/2013
Product: Credit reporting, credit repair services, or other personal consumer reports

The account for XXXX is fraud. I have contacted them with a cfpb and an ftc complaint with an affidavit showing this is fraud. They refuse to remove.
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 XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 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, credit repair services, or other personal consumer reports

I am the victim of identity theft as of XX/XX/2022An existing credit card was hacked, and then XXXX credit cards were approved ( XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ) that I did not request. I filed a dispute with Equifax on XX/XX/22XXXX, requesting these inquiries be deemed fraud and removed from my credit file. Both times Equifax resolved the disputes as no fraud found. I want these inquiries removed from my account as they were fraudulent credit card applications. 
Note that I placed fraud alerts and security freezes on my credit file with all three credit bureaus on XX/XX/22.
The Equifax dispute claim number is : XXXX
Product: Credit reporting or other personal consumer reports

i am disputing with XXXX and experian about reporting inaccurate and incomplete information on my credit report without my consent. 15 usc 6802 states that i have to be notified and give consent for information to be reported from affiliated companies, and i want to see documents proving that the other companies are affiliate with XXXX  XXXX, and experian. Furthermore, i never gave written consent, per the privacy act of 1974 for it to be shared which is against the law and i am requesting the accounts be deleted at once from my credit report or i will file a report with the Sec, State 's Attorney general, and Ftc for identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called experian to fix some miss information on my credit report missing and wrong information I attached the proof insted of fix problemthey removed my XXXX XXXX  XXXX XXXX from the credit report for fraud I filed a XXXX  xomplant they ignored the CFPB I had copy of all three credit reports experian said they would fix problem they never did comiting credit reporting fraud they removed my Morgage accoumt from all three credit reporting the said they never herd back from XXXX XXXX  XXXX XXXX on a dispute we bad news I never filed a dispute I have a copy of the recording with conversaion with Experian mesaying this is not a dispute this is adding information for payment history formotgage I gave then copy of XXXX XXXX  payment hisfory Experian filed dispute without my permision I have proof and a copy of my Bank contract infor showing Experian refused to take XXXX XXXX  payment reports XXXX XXXX  keeps getting a ellectronic responce saying XXXX XXXX  is a fraud account so cant be prosess for report Experian cerent credit report shows nothing of XXXX XXXX  all this information was sent in to the prosecuting attorny for prosecution for posable demestic terorisem on my credit report throu Experian I am and will file charges no mater the out come
Product: Credit reporting or other personal consumer reports

I have already made a complaint with the CFPB that number is XXXX. I have asked transunion to remove erroneous information from my credit report but they have not. They are reporting that I took out a loan that I did not. I have asked them repeatedly to provide documentation to support their claims. They have not. I thought that if they could not substantiate their claims, they had to remove the information. Is that not true? I have asked them to provide any documentation supporting their claim that I took out a loan, or opened a credit line or whatever they are saying I did. Their response is that, " it has been verified '' Well, that is not good enough because it is not accurate. I never took out this supposed loan so I want it removed.Perhaps someone forged my signature. I want to see the documents that are supposedly tying me to this supposed loan. If they can not provide that, they need to remove it -- permanently. 

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

On XX/XX/XXXX service finance sent an eoscar report informing experian that the account in question was closed XXXX XXXX The account was updated to reflect the account was paid XX/XX/XXXX I have since then filed a XXXX  complaint ID XXXX XXXX XXXX of the XXXX  has conducted a research with XXXX XXXX I have attached a copy of the eoscar report indicating on page 4 the account Was closed on XX/XX/XXXX XXXX
Product: Debt collection

On XX/XX/2021 I sent a Debt Validation Affidavit to NATIONAL CREDIT SYSTEMS in regards to an alleged collection account that is listed on my credit reports. I allowed 30 days for NATIONAL CREDIT SYSTEMS to respond with the required documentation according to 15 USC 1692g. They received my documentation according to my certified mailing receipt and have not sent any information. NATIONAL CREDIT SYSTEMS is in violation of 15 USC 1692g by not providing validation and 15 USC 1692j by furnishing this invalidated information to my reports.
Product: Vehicle loan or lease

Been going through a tough financial year due to a divorce. I have been able to make monthly payments that satisfy the due amount, but every month I see the late charges increasing. I called the service line to get an explanation on how late fees work, but the rep did not know that information. Asked if I could get a breakdown of the late charge fees ( I had never seen a {$300.00} late charge accrued fee ) but was not able to get a straight reply. The rep explained that Wells Fargo provides a 15-day grace period after a payment is due, then the fees hit ; however, rep was not able to explain systematically how they work. Every time I make a payment, you would think I would be hitting some of those late fees, but every statement they seem to be getting larger. My concern is not so much about the late fees itself, after all ; did not pay on time ; my concern is about the legal grounds of the late fees. It does not seem to be a straightforward charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, specifically section 602 ( a ) of 15 USC 1681, it is crucial for consumer reporting agencies like XXXX and Experian to fulfill their responsibilities with fairness, impartiality, and respect for consumers ' privacy rights. As a consumer, I have the right to ensure that my private information is not shared, as supported by 15 USC 6801. This law states that financial institutions, including furnishers of information to credit agencies, have an ongoing obligation to respect customer privacy and safeguard their nonpublic personal information.

Under section 604 ( a ) ( 2 ) of 15 USC 1681, consumer reporting agencies such as XXXX, XXXX and Experian are only permitted to furnish a consumer report under specific circumstances, one of which is when they receive written instructions from the consumer. I have not provided written consent to these agencies or the furnishers of information, and any previous consent, whether verbal, non-verbal, written, or implied, is hereby revoked. 

Moreover, 15 USC 6802 ( b ) ( c ) stipulates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless the consumer has been informed of their right to choose not to disclose. However, the furnishers of information to credit agencies failed to inform me of this right.

Furthermore, as per 15 USC 1681C ( a ) ( 5 ), a consumer reporting agency is prohibited from including certain adverse information in a consumer report unless authorized by subsection ( b ). This adverse account, which is being reported without my consent, falls under the category of unauthorized information according to the law.

Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) states that no person should furnish inaccurate information to a consumer reporting agency if they are aware or have reasonable cause to believe it is inaccurate. XXXX and Experian, therefore, are in violation of this provision.

To maintain compliance with the law, every consumer reporting agency must establish reasonable procedures to prevent violations of section 1681c and restrict the provision of consumer reports to the purposes outlined in section 1681b, as stated in 15 U.S. Code 1681e. Unfortunately, XXXX and Experian have failed to uphold these reasonable procedures. 

Lastly, in accordance with 12 CFR 1016.7, I am exercising my right to opt out of your reporting services. This means I no longer wish to be included in your reporting activities.