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

XXXX XXXX Loans incorrectly reported 30 days late for our XX/XX/XXXX mortgage payment. We disputed the error both directly with Caliber as well as with XXXX. On XX/XX/XXXX at XXXX XXXX, we received a message from a Caliber representative stating that the 30 days late was corrected and that our credit reports would be corrected in ~ 1 week. We have the recorded message. To this day, our credit reports have not been updated to reflect the 30 days late correction and we have received zero written correspondence from Caliber regarding the correction. We 've talked many, many times with several Caliber representatives about getting our credit reports updated and each time, receiving no information or wrong information. We talked with a representative on XX/XX/XXXX and was told that the corrected account information would download to the Credit Bureau 's on that day and for whatever reason, this did n't happened. When we called on the XXXX of XXXX to follow up, we we 're told the Credit would n't be updated until XXXX of XXXX. This is totally unacceptable and we need help resolving the issue. This has cost us a higher interest rate for the purchase of a 2nd property.
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  : 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 All the above has violated my rights.

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: Mortgage

XX/XX/XXXX to XX/XX/XXXX US Bank has secretly worked with property insurance carrier to cancel property insurance- see attachments.-Retaliation # 2 Retaliation # 1 - US Bank gives XXXX XXXX in XX/XX/XXXX, then cancels it for no reason at all in XX/XX/XXXX CFPB COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX History : XX/XX/XXXX - Judge kicked US Bank and I out of Court after I reported to a third party regulatory agency and filed material proof in Court showing that counsel for US Bank had used false documents to get a default judgment against me in XX/XX/XXXX in a foreclosure action. Then counsel used court personnel to remove those material documents from the case after I reported that to another Court and Attorney. 

Once kicked out of Court, US Bank used other counsel to " cohearse '' me into signing a modification agreement-trying to maintain their hold onto obtaining money from me-which at this point is voluntary. 

The foreclosure case became a " null and void. '' Summary : The default judgment from XX/XX/XXXX is invalid and the modification they cohearsed me into signing while knowing I was on XXXX-not working is also invalid. 
Any money I pay them is a voluntary contribution. 
They are not satisfied still. 

They insist on using " harassive '' means trying to squeeze blood from a turnip or illegally take property that they have no standing to do. 

Since my first bout of unemployment and XXXX XXXX XXXXXXXX, US Bank has repeatedly not followed any guidelines or regulations outlined for mortgage service carriers/lenders ( not sure who they consider themselves to be ) to harass me incessantly using third parties of XXXX XXXX who are attached to this property in some way, causing me XXXX- I was diagnosed in XX/XX/XXXX, went to therapy for XXXX weeks, and now Im on medication for this condition that I did not bring on myself. 
( Diagnosed right after they starting harassing me again using Court Process in XX/XX/XXXX ). 

I have not been treated like a homeowner by US Bank. 
I have been hunted and preyed upon like an animal at the hands of US Bank for 7 years now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim to identity theft, as I dig d not approve any information to be used in my name. I am requesting that the fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Theft Affidavit in regard to this incident. I have listed the additional fraudulent accounts below : XXXX XXXX XXXX : Account # : XXXX XX/XX/XXXX, Amount : {$170.00} XXXX XXXX XXXX  : Account # : XXXX XX/XX/XXXX, Amount : {$2700.00}
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt 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 XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human Trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. SUNRISECRED bal. {$520.00}, POSSIBLEFINA bal. {$170.00}, XXXX XXXX XXXX. {$1800.00}, XXXX XXXX XXXX. {$7000.00}. 

INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account # XXXX I sent debt validation and requested for information to be removed. No response from this company. I told them that this was not my debt. They have ignored me. 

The time that this account was opened, I did not own the house. The previous owner of the house must have bought a home improvement loan and now they are charging me for it. This is not my debt! This is fraud. 

XXXX XXXX has many complaints of not responding to consumers requests. They also have complaints about opening accounts in other peoples names. They dont get verification of who is the home owner and who is getting the home improvement. They are a rip off and it is messing up my credit. They are crooks. I just want it deleted. this is not my account. This makes me depressed!! 

I added a copy of my mortgage account from my credit report to show when the mortgage account began and it began after this fraudulent account was opened.
Product: Credit reporting or other personal consumer reports

I have been the victim of the XXXX data breach, XXXX XXXX XXXX XXXX XXXX data breach. My information has been compromised I have noticed some more accounts and inquiries on my credit report that someone has opened that i have not AUTHORIZED. I have submitted an FTC report and I have a police report that i had obtained when i first noticed the identity theft. 

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 reporting, credit repair services, or other personal consumer reports

I requested credit reports and it showed a delinquent payment to XXXX when we all have Been given an extension until XX/XX/2022 to begin repayment. This is in correct.
Product: Debt collection

The convergent outsourcing/XXXX XXXX XXXX that is on my credit report is not supposed to be on my personal credit. It was a business account. Also the statue of limitation is up ; XXXX charged off my account 1 year before they sent it to collections ; therefore the collection is over 7 years. Yet I still had to pay to get it updated and not even removed. Isnt this illegal? Ive disputed this account 4 to 5 times on Experian and XXXX, before I finally got an update and ITS still on my credit. I am in the middle of a mortgage approval and Im ready to sue for the inconvenience that this is causing. I would like this collection removed ASAP
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

The truck was illegal repossed they are trying to say I surrender the truck but I told them no refused. They do not even have valid XXXX. I went and tried to refinance again with then and was told it 2000 but I have to physically meet a rep at the XXXX stand in line with their manager and sign over my title before the would release the truck and before they would refinance my truck. If I paid for the lot and towing fees from them illegal repossession of my truck. They damaged it when doing so and will not let me see the damages either. Help please
Product: Credit reporting, credit repair services, or other personal consumer reports

The loans were in forbearance and it 's reporting late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, per the FCRA, I notified Navy Federal Credit Union that I elected to opt-out of any and all authorizations I may have provided them to provide my personal non-public information to any non-affiliated third party based on 15 USC 6802 .
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called transunion numerous times and they keep saying they will delete inquiry and have not to date. This is identity theft. Remove this unauthorized inquiry immediately. I never consented to this
Product: Checking or savings account

I rented a vehicle using XXXX rent a car. A pre authorized deposit of {$510.00} was charged to my account. The merchant then charged an additional {$570.00} to my account causing an over drafted charge of negative {$540.00} despite those funds being not being in the account. I disputed the transaction and provided every document supporting my dispute including the original agreement, amount charged for any additional day over the original three day rental period. The original agreed amount was {$120.00} with each additional day beyond the three days being {$51.00} per day. The vehicle was held for an additional 7 days beyond the original 3 day agreement with verbal confirmation from a XXXX employee that confirmed the original daily rate being applied to additional days. This amount equals {$500.00}.
Product: Checking or savings account

This issue between XXXX XXXX XXXX, Citibank and myself arose before and was resolved via complaint # XXXX as at the time I provided this bureau with the documentary evidence that supported the fact that XXXX XXXX XXXX was at fault and such I should not have been charged, which said information was forwarded to CitiBank. 

See attached letter from CitiBank Notwithstanding Citibank has debit my account for the sum {$210.00} on XX/XX/2023 with the notation being '' Debit Card Purchase XX/XX/XXXX # XXXX REVERSE XXXX XXXX XXXX XXXX XXXX '' Further, I paid my internet bill to my provider XXXX on XX/XX/2023 for {$110.00}, Citibank seems to have opened an investigation regarding this payment as they have credited my account for the said {$110.00} with the notation " debit card adjustment ''. Please note I did not ask them to anything of the sort. 

I am absolutely frustrated with this bank and intend to close my account but before I do so I want you to instruct them to immediately credit my account for the sum of {$210.00} and cancel this " phantom '' inquiry against XXXX
Product: Debt collection

Not associated with Address on file with PRA. PRA has made frivolous claims tht it hadnt received any correspondence about my dispute which would conclude to be false. PRA has violated FDCPA as outlined in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which states that a consumer report is a medium of communication and thus subject to cease and desist requirements. Furthermore, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Report # XXXX - XXXX As TransUnion stated XXXX XXXX XXXX XXXX XXXX- XXXX XXXX - XXXX XXXX XXXX- XXXX XXXX Transunion stated Company obtained information from my credit file in connection with account review or other business solutions stated by TransUnion Except insurance companies have access. I did or do not owe any of these companies and these companies was put on in error in which they should not have been or showing in any kind of way after they was removed/deleted by no money owed in any way. My next issue with how transUnion likes to word things that does not apply tom the complaint as if I don't understand my rights. Transunion does not justify the companies listed nor can they furnish any documents or Papers stating or showing I owe or owed any of these companies in which was in error and Transunion has no right to leave them on my credit file. I'm not trying to hear only I can see it or an Insurance company can view it. My consumer rights have been violated by transunion. Futher more the companies need to be Deleted/removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Equifax are reporting a Bankruptcy as a public record falsely. File dateXX/XX/2017. I have contacted the United States Bankruptcy Court and they have sent me a letter verifying that they do not verify with any third parties such as credit bureaus. These credit bureaus are reporting this on my credit reports and I would like it removed because it is not verifiable.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on a previous dispute regarding a bankruptcy item listed on my credit report, under reference # XXXX. In your response, you stated that the item was verified as accurate, claiming that the information had been confirmed with the court. 
I have since contacted the court directly, and their response, which I have enclosed, clearly states that they do not report any information to credit agencies, including your bureau. It is evident that your original verification, attributing the information to the court, was either an error or a misrepresentation. Regardless, the information does not meet the reporting requirements under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 USC Section 1681 ).
Product: Mortgage

My Formerly VA backed home loan was apparently sold several times and most recently it is being serviced ( Very Poorly ) by XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX18 I received a demand that XXXX demanded a certain amount of money to be paid directly to them at an address in XXXX? i called over 45 times and was given the run around, after filing a complaint they finally  contacted me giving me so many lying stories I could not keep up with the changing stories. 

As i learned XXXX has massive complaints, suit, and pending litigation for the same reasons i have complained they have changed the loan to ask for more fund and they demanded I use there insurance company, in short they are trying to defraud me and the US Banks and Government. 

I pay all my own homeowners Insurance as well as my property taxes all a year in advance and i have NO escrow account and they are trying to force one I have never agreed nor would i, I have demanded several times a full and complete AUIDT and LPO. I have never ever received my audit requested results, until i got a full audit I can NOT and Will not be threatened or forced to pay something i do not OWE.
Product: Checking or savings account

On XX/XX/XXXX, XXXX and XXXX 2023 I was charged 6 NSF in the amount of XXXX by JP Morgan Chase. Transactions varied from XXXX to XXXX. Total amount for all transactions XXXX and chase charged XXXX of NSF. I am not disputing that I made the transactions. Because of lack of funding, I used my debit card to pay for transportations to work and food. According to an article by CFPB stating that JP chase is one of the bank that do not charge NSF I called to dispute the charges. I was told by a manager that chase has its own policy regardless of what is written in CFPB and agreed to waive a XXXX as a courtesy.
Product: Credit reporting or other personal consumer reports

These inquiries appear to have been made without my authorization and XXXX be fraudulent. Please address this matter immediately, referring to the attached documents for clarification.
Product: Mortgage

My mortgage was sold to Loancare LLC on XX/XX/XXXX by XXXX who filed for bankruptcy. Loancare received my mortgage payment on XX/XX/XXXX by electronic payment from my bank. They have yet to post my payment to my account as of today XX/XX/XXXX. I have made countless calls to get this resolved. They asked for proof of payment which I sent them on XX/XX/XXXX and again on XX/XX/XXXX. I spoke to XXXX on XXXX and was informed that they did have all the info they needed and that the payment would be posted by XXXX. This did not happen and I made another call today XXXX. Spoke to XXXX today and was told again that they had all the info they needed and that it would take another week to fix this, until XX/XX/XXXX!!! 
This is completely unacceptable. They have " stolen '' my money for over a month. This is not an isolated case. If you look at their complaints on the XXXX website and social media sites ( XXXX, XXXX, etc ) you will see that this is an incompetent and corrupt company. People are being lied to and having their money stolen from them! The CFPB needs to do an actual investigation of this companies business practices. If the CFPB can't investigate please notify the government agency that can, because there are many consumers being taken advantage of by this company. I will attach the proof of payment documents that I sent to Loancare. Anytime that you email or call them they either give a generic response or lie to you about solving your issue.
Product: Credit reporting or other personal consumer reports

To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via mail dated While checking the above report, it came to my notice that your Company has furnished an account on my report. According to 15 USC 1692a ( 2 ), the term Communication means the conveying of informa- tion regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the al- leged debt ) by the Company will amount to Communication as per Fair Debt Collection Prac- tices Act ( FDCPA ). Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. Any further contact by your Agent or Company, except a communication confirming your acknowledgement of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). If you do not cease communication a lawsuit will be commenced against you.Remove this account from my consumer report asap
Product: Vehicle loan or lease

On XX/XX/XXXX I went to XXXX XXXX in XXXX, la and made a down payment for the XXXX XXXX XXXX that was XXXX. I declined the gap insurance and when i got home to view my credit acceptance portal i noticed XXXX XXXX dollars was added on for interest which that is more than what the car is worth and was not advised about that at the dealership. I've contacted the dealer but no reply yet. It's sad to be ripping people of their hard earned money. I have kids an struggling as it is now. The car been giving me problems the next day i got it. Interest rates a day that's ridiculous. Almost XXXX for a used XXXX car? That's sad!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have emails and recorded phone calls dating back to 2017 proving retaliation, abuse of authority, refusing to remove fraudulent information from my credit report, failing ( refusing ) to provide updates on status of investigations. The Office of Consumer Affairs, in XXXX, GA, has discriminated against me. The staff is unprofessional. They have intentionally refused to remove fraudulent information from my credit report. 

I am specifically requesting an agent with CFPB contact me to investigate Equifax, and specifically its Office of Consumer Affairs. The XXXX American customer service representatives : XXXX, XXXX, XXXX, XXXX, XXXX, and others have violated my rights since 2017. Theyve continued to allow companies like XXXX XXXX and others to put fraudulent collections on my credit report. These customer service representatives will put fraudulent addresses BACK on my credit report that have been previously disputed and removed. 

The prejudice, discrimination and racism Ive endured since 2017 by the Office of Consumer Affairs has taken a toll on my health. Im under extreme duress by their continued attacks. They use their positions with Equifax to appear that theyre following the law and responsibility of the office, however, they are not. They are bullies. They are quietly and discretely attacking my credit report and credit score. 

Currently there are 3 hard inquiries on my credit report that were not requested by me. I did not authorize these inquiries. There is currently 1 fraudulent collections item from XXXX XXXX  on my credit report. I have been reporting fraudulent collections actions on my credit report for 3 years consistently. I am consistently dealing with the same customer service representatives in the office of Consumer Affairs. For the past 3 months Ive been fighting to remove the fraudulent collection action by XXXX XXXX. Equifax has merely relied upon a statement submitted by XXXX XXXX  that the debt is valid. There was no evidence that submitted proving that the debt is valid. This type of action, by XXXX Office of Consumer Affairs has taken place since 2017. 

The actions of the Office of Consumer Affairs via Equifax are harassing me. Their conduct should be illegal. When I contact Equifax, when my social security number, address, and date of birth are verified by representatives in another country, I am always transferred to the Office of Consumer Affairs. There is something in Equifaxs system that requires me to be sent to the XXXX Office of Consumer Affairs. 

Regards, XXXX XXXX