23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am not quite sure why XXXX in 4 months time did not question XXXX Mortgage for information listed on my credit file as them being a creditor of mine. I had my attorney review this credit report from XXXX XXXX XXXX XXXX and that is when he found 21st Mortgage is listed as a creditor on my credit file. I have advised XXXX over XXXX times I did not and do not have a mortgage with any financial institution. Please remove this off of my credit file immediately. I have written to 21st Mortgage and asked these people why would they place themselves as a creditor on my credit file when they know they have not granted me any type of credit for a mortgage or any thing else. I do n't even know how these people obtained my social security number. I have never signed any type of authorization for 21st Mortgage to check my credit for any thing. And XXXX sure did not receive a mortgage from these people. Please remove this off of my credit immediately. 
XXXX XXXX
Product: Debt collection

This corrupt company provided me with a loan car. The carmax also tried stolen my signature and personal information trying to cause fraud. The company also tried to have my signature used for some other legal documents. The company also had a tracker on my vehicle, trying to set me up to be robbed. Lastly, the company was paid off, the insurance only paid the balance. The company accepted as full payment.
Product: Credit card

My daughter has been paying my credit card every month on the same date. Now all of sudden Capital One post on my online account this Noticed " Oops! Looks like your account is behind. You can easily make a payment now or learn about missed payments. If you recently made a payment, you can check the status. Thanks! " I have call them and ask why all of sudden my payment is so call late when we pay every month the same date. The agent was rude and telling me that I have n't made a payment. But I can show payment are done every month on between date of XX/XX/XXXX to XX/XX/XXXX. We even pay online through their website the so call {$100.00} I was so call late on. Still that Alert on my capital one account.
Product: Mortgage

I am the XXXX for my sister 's XXXX. I sold her property on XX/XX/XXXX. The mortgage company cashed my check on XX/XX/XXXX. My lawyer paid the amount provided by the mortgage company. After the fact, the company added fees. It did not and to this day, has not contacted my lawyer to alert them to this. I tried for XXXX months to get permission to discuss this loan. I sent paperwork XXXX times, including the will, XXXX XXXX, my fiduciary certificate and admittance to probate. Every tine I tried to talk to them they said I didn't qualify, and I sent the same paperwork again. Finally, on XX/XX/XXXX, an agent put me on the account. She said she used a lifeline like on who wants to be a millionaire. I did not provide any additional paperwork for her to do this, which means they had the proper paperwork the entire time and did not add me. It was not until this time, XXXX months after I sent the correct payoff, and they cashed it, that I was informed that IT was not enough. They told me I now owed over XXXX dollars in interest and fees, even though this was all their fault. I sent in XXXX on XX/XX/XXXX and the loan was finally paid off. It was paid off effective XX/XX/XXXX and I still have not received a payoff statement, a payoff letter, an escrow statement or a check for escrow overage. I have disputed the amount charged for extra interest and legal fees and have not heard back. Please find attached all of my paperwork supporting my claim. I have tried to call them numerous times in the last month, and they only have an automated system with no option of speaking to a live person. They cut me off. This is the worst company I have ever dealt with and what they are doing is illegal and unethical. Please help me obtain my refunds. Thank you very much.
Product: Payday loan, title loan, or personal loan

Earnin express lets you receive your paycheck two days early. I was supposed to be paid on XX/XX/XXXX and as of now XX/XX/XXXX I have not been paid and they can not give me a reason or havent offered a solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around the last week of XX/XX/2018 I purchased a TV from conns in XXXX. Conns salesman XXXX XXXX pursuaded me to buy a warranty for the TV. After he explained to me that the warrant covered everything including accidental damage and that I'd have to pull out a gun and shoot the tv for it not to be covered, I agreed to go on and purchase it. Lo and behold 3 weeks or so later, the tv was damaged and inoperable. I called XXXX and he reassured me I was covered and to just call the warranty number. They told me that accidental mishaps were NOT covered. So, I called XXXX back. He said he didn't understand why I was being told that and that he'd make some calls and call me back. He never did. So I went to the store and spoke to him in person. He reiterated that the warranty was supposed to cover everything and that that's what all the sales person 's tell their clients. He said he would keep working on it and get in touch with a higher up with the customer service side of conns to see if I could get help on the weight of he TOLD ME HE WAS SELLING ME SOMETHING THAT HAD ME COVERED. He said if by some chance nothing panned out he'd buy me a TV himself with his discount. I didn't believe it and it definitely was a lie Bc Everytime I called him after that day, he stopped coming to the phone. I filed a dispute with the card provider and they gave a response that ruled in conns favor and that I should continue trying to get conns to fix this. When I initiated the dispute, i told the rep that I have PROOF of what I was told that I was buying. I don't think that part made it into the complaint. Proof! The letter the bank sent me said that if I have further documentation, I can contact them and move forward. I will be doing that because I can not afford to pay for something I don't have, pay for a product that is not as described, pay for something that turned out to NOT be what I thought I was purchasing. I'm hoping to rectify this out of court but I have worked too hard on my credit to have it ruined bc I got tangled up with a shady company and an even shadier salesperson. Also, I spoke to a manager at conns who would only tell me his name was XXXX. All he did was apologize and tell me that he doesn't know why XXXX told me that the warranty covered everything because the warranty had stopped covering EVERYTHING for months now. That's it? An apology? Why not fix it? He didn't even offer to try to do anything.
Product: Credit reporting or other personal consumer reports

I have recently obtained my XXXX XXXX  report from your bureau and wish to dispute the completeness and accuracy of certain information. This information is adversely affecting my XXXX report, and I request immediate correction. I expect your investigation to be completed within 30 days. Following your investigation, please furnish me with an updated XXXX report and the contact information of the individuals involved.. The details I am disputing are as follows : XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I Received a Correspondence From XXXX XXXX XXXX XXXX. That I Cant Limit Sharing of my Non public Information which is Private. They Have Furnished Inaccurate and unreliable information. I am Opting Out of Sharing of all my Information Under the Gramm-Leach-Bliley Act, specifically 15 USC 6801, which mandates financial institutions to provide consumers with the option to opt-out of the disclosure of their nonpublic personal information to non-affiliated third parties. 

Upon reviewing my credit report, I have not received an opt-out notice as required by law. I request that you investigate and rectify this matter promptly. 

Furthermore, I would like to emphasize that XXXX, TransUnion, and XXXX are not affiliated entities. The lack of affiliation underscores the necessity for strict adherence to privacy regulations and the provision of opt-out notices. 

I am committed to safeguarding my financial privacy, and I trust that [ XXXX, Transunion XXXX XXXX ] will promptly address and rectify these concerns in accordance with the law. 

Please provide written confirmation of the resolution of this dispute and any corrective actions taken. Thank you for your prompt attention to this matter. 

Exhibit A Attached
Product: Debt collection

This company, Swiss Colony, is making frequent repeated phone calls using a call center based in XXXX XXXX, XXXX XXXX, to my home asking when a debt I incurred is going to be paid. The calls occur at least XXXX times weekly. ( A record is being maintained. ) I have responded appropriately to the company 's XXXX ( XXXX ) written communiques, acknowledging that I owe the amount due and will pay it by XXXX XXXX, 2015 or sooner, and I have asked the vendor 's representatives to STOP CALLING ME. I have attempted to talk personally to the company 's credit department supervisor but ( s ) he does not call me back. NOTE : Company acknowledged receiving my personal responses but says I " will continue to get these phone calls because they can not stop them ''.
Product: Credit reporting or other personal consumer reports

The payment information for the month of XXXX and XXXX is not reflected in my credit experian!
Product: Credit reporting

XXXX is reporting to my Experian credit report against Hippa laws Privacy laws and laws that state clearly an medical collection can not be reported if it is being paid by my insc it was Experian is sharing this information that is protected by the hippa laws and the privacy acct MY medical records with any body who pays them My medical records are private and that incudes my medical bills account XXXX reported with a XXXX balance and is clearly a medical bill and it is illegal for them to report it.
Product: Bank account or service

Wellsfargo is asking me to send sensitive documents over email. It is SSN card, nationality verification. 

I would like to request an audit from Wells fargo on how it requests information from its consumers. I have the evidence on how it communicated with me. It is giving a way for its consumers to leak their information through email unsecurely. Innocent citizens may not know the issues with regards to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX have these accounts flagged numerous time in my credit file as late. These account have never been late
Product: Debt collection

I sincerely request your compliance with the Fair Credit Reporting Act ( FCRA ), a pivotal legal framework established to safeguard the rights of American consumers in relation to credit bureaus. In light of this regulatory context, I kindly implore XXXX to undertake the necessary measures to exclude the ensuing account particulars from my credit report : Account Details : Creditor : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX Type : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX City : XXXX State : TX ZIP Code : XXXX Phone : ( XXXX ) XXXX Scheduled Duration : Until XX/XX/XXXX It is crucial to emphasize that the inquiry mentioned above was not initiated by me. In accordance with the FCRA, which places significant importance on the accurate representation of individuals ' credit histories, I urge your prompt attention and resolution of this matter. I extend my gratitude for your unwavering commitment to upholding the fundamental principles of consumer rights within the sphere of credit reporting. Your swift action in rectifying this discrepancy is greatly anticipated and appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to set up a MyEQUIFAX account online to unfreeze my credit with EQUIFAX. I did this successfully for my husband. However, I was unable to receive the texts to verify due to a problem with my phone. The website then asked several very vague questions about my credit that did not seem applicable to me. The EQUIFAX website said I had to call them. 

I called and spoke with a representative and after giving my social, address, phone number, and date of birth, they asked more vague questions that I apparently answered incorrectly. 

I need my freeze lifted tomorrow!!! I even talked to a supervisor that told me I would have to fax two forms of id. I had to drive 20 minutes and pay to fax it. After waiting a couple of hours, I called again and was THEN told that it would take 5 to 7 days and then they would mail me. This is totally unacceptable! EQUIFAX is holding my credit information hostage and I don't have any other recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting a company I have never seen or had any interactions with called XXXX XXXX XXXX I previously had a fraud alert on my credit report and currently have a identity theft form and documentation on file as well as a police report. I never had an account with this company or any companies attached to them and this is negatively affecting my credit. I also have a XXXX XXXX account which has been paid and has not been updated. Also a XXXX XXXX  which was paid and I currently have an account with them with the same account number yet it is still reporting negatively. There is also an account named XXXX XXXX, XXXX  which I do not recognize and have never done any business with this company and never had an correspondence prior to this showing on my report.
Product: Checking or savings account

the bank advertised they give XXXX bonus for certain activity, I did what they requested and after almost three months, I never see the bonus. 

SO I contact the banker and he said I am eligible for the bonus, just need to wait. 

I wait but never get it, then the bank said because there is one day my min balance is below XXXX. I am so confused, when I opened the account, they told me I just need to make sure my avg balance is XXXX, then they changed the terms during the time I applied, but never notifies me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called experienced because Im paying off debt and fixing credit. someone opened an account on my name and now experience wants me to send them personal identifying information to a P.o. Box!!!! No proof of delivery etc. they want me to send a copy of my drivers license, social security card, bank statement and a letter stating it wasnt me who opened the account to an unsecured p.o. box!!! Until they fix this I cant repair my credit!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pull my credit report and I've noticed a handful of account on my report that I have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX I call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Product: Mortgage

Nationstar Mortgage was included and paid in full as part of our Chapter XXXX Bankruptcy filing, which was discharged on XXXX XXXX, 2015. They will not release the Deed of Trust and have indicated on two occasions that I still have a debt of {$17000.00} that the Trustee never paid them. All the terms of my bankruptcy were met as is evident by its discharge. In addition, per Federal Law all creditors are prohibited from attempting to collect any debt that has been discharged or was part of a Chapter XXXX filing.
Product: Credit reporting or other personal consumer reports

The following accounts are the result of identity theft : XXXX XXXX XXXX {$5800.00} XXXX XXXX XXXX {$3700.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$5800.00} XXXX XXXX  XXXX {$3700.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXXXXXX {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX I am including a copy of a recent FTC report, I ask that these accounts be removed.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer credit report, I noticed that your agency has violated multiple regulations, entitling me to monetary compensation under FCRA 15 U.S. Code 1681s2 and 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Specifically, your agency furnished reports in connection with credit or insurance transactions that I did not initiate ( inquiries ).

According to the law, a consumer reporting agency may only provide a consumer report for credit or insurance transactions not initiated by the consumer if : ( A ) The consumer authorizes the agency to provide the report, or ( B ) ( i ) The transaction involves a firm offer of credit or insurance.

Furthermore, except as provided in section 1681g ( a ) ( 5 ), a consumer reporting agency can not furnish records of inquiries related to such transactions that the consumer did not initiate.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ), if a person obtains a consumer report under false pretenses or knowingly without a permissible purpose, they are liable for actual damages suffered by the consumer or {$1000.00}, whichever is greater. Additionally, punitive damages may be awarded by the court. 

Your agency is in violation! 
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: Debt collection

Account number : XXXX The State of Limitations on this alleged debt, even should it be mine, is 3 years in the state of North Carolina. Since the debt is out of the statute of limitations, and they are reporting this on my credit report, they are conducting collection activities on zombie debt. 
I have disputed the information numerous times and the company nor the credit bureaus will not remove the information from my credit reports with the Bureaus although it is now a zombie debt. 
Im sure theyare aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that their firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. 

The company 's neglect to remove this debt is hurtful to my credit profile and ability to live with financial freedom. I would like the account removed immediately from all credit bureaus. Not just closed. Deleted completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX & XX/XX/XXXX I sent letters to all three credit bureaus asking for them to investigate multiple fraudulent accounts on my credit reports as I have been a victim of identity theft. In addition, I sent them a copy of my police report from when this theft initially occured to verify my statement. These accounts show different addresses other than my own where I have resided as well as different social security numbers other than my own, I am aware of this information because when I called these companies myself they were unable to verify me by the information that I give which is my natural information ( D.O.B and or Social Security Number or Address ) other than my name. They would say that this is not the information that they have on file and say that they can not discuss the account with me yet these accounts appear on my reports. 
The only thing that has been done is the police report has been uploaded to my file and nothing else. No investingation, no accounts have been removed. These accounts are effecting my credit score tremendously and my letters are being completely ignored. Not to mention that they also have an old tax lien on my report that has been settled for sometime that I also sent them documentation of. My credit report is not locked as it should be ( with the exception of XXXX and that was due to their data breach and not my police report and identity theft ), when I speak to the representantives about this feature they say that I am not eligible for it unless I pay for it. When I know that I am because I was told previously that I needed to have a police report on file to qualify ( transunion ). 
They continue to re-report these same accounts overwhich is continually effecting my score in a negative way. So I am now constantly being victimized except now this time by the Credit Bureaus as well as the people who stole and sold my identity.
Product: Debt collection

BLAKELY WITT & ASSOC with an address of XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX states I owe them {$260.00}. I found this out when I looked at my credit report. I do not know what this is for, I do n't know who these people are, and they are reporting negatively on my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to properly investigate and verify a negative account on my credit report after delivery of multiple letters from myself. My last letter was sent on XX/XX/2020 and delivered on XX/XX/2020. I have not received evidence of proper verification or an updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theses accounts showing on my credit report is not mines they belong to some one eles i also have inquiries on my credit reports that i never did theres also misspelling on my name showing up on my credit report
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Wrong Personal Information : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After a review of my credit report I noticed that Trans Union and XXXX have failed to show a discharge of a public record  Bankruptcy. 

Chapter XXXX status should be discharged as of XX/XX/2018!
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXXXXXX XXXX, DC XXXX. 


I write to you today regarding the confidential-information and privacy data breach that occurred at the Experian, XXXX, and XXXX XXXX Consumer Financial Protection Bureau ( CFPB ). Since your agency became aware of the data breach, the CFPB has finalized an additional rule involving the vast collection of small business lending data on credit products, including term loans, lines of credit, credit cards, merchant cash advances, and even personally identifiable information like race, ethnicity, and XXXX. This is highly concerning given that the CFPB has provided limited insight to Congress into the CFPBs data management practices and efforts to ensure the privacy of consumer and small business data. 
I request a briefing by XX/XX/year>2025 to discuss the following : Specific details of the data breach. 
The content of the data taken from the CFPBs system. 
Remediation steps to address the breach ; and Prior, current, and proposed data privacy practices and any changes that are to be implemented to address privacy concerns. 
Thank you for your time and attention to this important issue. 
Sincerely, XXXX XXXX