23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I, along with my advocate from the Office of Congresswoman XXXX XXXX, has asked that XXXX contact me by mail only. Since making this request numerous times, XXXX has stated in their most recent letter the numerous attempts to contact me by phone and most recently resorted to using intimidating and aggressive tactics such as posting mail on my door indicating a Notice of Default and listed a Trustee 's sale date of XX/XX/XXXX 

In the last few correspondence submitted through the CFPB, requests were made asking XXXX to provide dates in the month of XXXX for me and my advocates to come and review files in XXXX headquarters located in XXXX XXXX XXXX, Utah. The most recent letter received by XXXX neither specified a date nor acknowledged the requests. A month 's notice is required by my employer before consideration can be given for time-off requests. Hence, I need to submit a request as soon as possible and subsequently secure travel plans. 

Additionally, the issues raised in the letters are not redundant but instead seek to compel XXXX to submit valid supporting documentation to support their erroneous claims. Copies of Assignments from the County Recorder 's Office provided by XXXX do not indicate the transfer of any rights to XXXX. XXXX XXXX name appears nowhere on the documents. Instead, XXXX repeatedly refers  to a Trust ( XXXX ) that closed in XX/XX/XXXX, according to the IRS, The Security and Exchange Commission, XXXX XXXX and the State of XXXX  Division of Corporations where the Trust was registered and terminated.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX  Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX  Automotive ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  Bank ( XXXX ) XXXX I have an active fraud alert on my credit report and I did not request credit or loans with any of the businesses above, I have called XXXX to inform that it was not me that authorized them to check my credit report. They did not do anything.
Product: Checking or savings account

I filed bankruptcy and PayPal was one of the creditors in my petition. Well I still to this day receive alerts of charges on the account and debit card I'd previously had. I contacted PayPal and received a response back that my card was closed but they won't close my account because the company needs to keep a certain amount of account open. I filed a XXXX  XXXX XX/XX/XXXX. I was discharged XX/XX/XXXX PayPal refuses to follow the Bankruptcy law and I don't know what else to do.
Product: Checking or savings account

Marcus by Goldman Sachs force closed my account for no given reason. Many people are complaining online about the same behavior from Marcus by Goldman Sachs. There is approximately {$2000.00} in my account but I am unsure of the exact account balance. They have not sent my money back after repeatedly stating that they will. They told me the money would be returned in 1-3 business days and that was a week and a half ago. They have locked me out of the account and are refusing to send the money back or provide the statements for 2023. I requested the funds returned to my XXXX XXXX XXXX account which was the source of the funds. They have also refused access to my online statements needed to verify the exact amount of money in the account.
Product: Credit reporting or other personal consumer reports

CAPITAL ONE, a financial institution and furnisher of information, along with XXXX, a consumer reporting agency, have willfully failed to comply with federal regulations by misusing my consumer report regarding account number : XXXX. 12 CFR 1016 ( Regulation P ) regulates and protects the privacy of consumer financial information. 12 CFR 1016.16 regulates and protects the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 12 CFR 1022 ( Regulation V ) Appendix M regulates and specifies obligations of furnishers of information to consumer reporting agencies under the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 

I, the consumer, have been adversely affected by CAPITAL ONE and XXXX being willfully noncompliant with the proceeding federal regulations. 

12 CFR 1016.16 regulates 15 U.S. Code 1681 section 602 which 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. '' My privacy is being violated by the misuse of my consumer report. 15 U.S. Code 1681b section 604 states In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. CAPITAL ONE and XXXX do not have my consent to furnish said information, and I have never given them written or verbal consent. Any implied consent is revoked. 

12 CFR 1022 Appendix M regulates 15 U.S. Code 1681a ( 2 ) ( A ) ( I ) which states " Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IRS Publication 4681, Chapter 1 regarding canceled debts states that a canceled debt is considered ordinary income, which is taxable. This charge off is taxable income and not to be included on a consumer report. 15 U.S. Code 1681s-2 states 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. CAPITAL ONE and XXXX are willfully misusing this information on my consumer report. 

12 CFR 1022 Appendix M regulates 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) which states Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. CAPITAL ONE and XXXX have been willfully noncompliant by continually misusing my consumer report after I filed a complaint. 

12 CFR 1016.7 states, A consumer may exercise the right to opt out at any time. I am opting out of any and all of your reporting services. 

My intent is to sue if said issues are not resolved.
Product: Debt collection

On XX/XX/XXXX I looked into my credit report and found 3 account listed under a collection with Midland I sent a validation or verification letter that I found within the CFPB website to get more information on XX/XX/XXXX in which Midland sent me a simple response and not even reporting the information that they provided to me to the credit bureaus. 

On XX/XX/XXXX I sent another letter asking for more information as this is still unclear to me what this is and how they are still reporting it. 

MIDLAND CRED ending XXXX Balance {$2700.00} Letter received showing Original balance is XXXX but is showing up as XXXX on my credit report with a payment of {$50.00} on XX/XX/XXXX. Which is not being reported and do not recall making any payment. They have not provided a Bill, My personal information or my social security number. 

Same for account ending XXXX balance reporting XXXX with the original papers they sent to me say XXXX with payment done XX/XX/XXXX for XXXX. No letter from a creditor, no initial validation notice, no bill no nothing and also reporting information that is different than what they sent to me Same for account ending XXXX balance reporting XXXX with the original papers they sent to me say XXXX with payment done XX/XX/XXXX for XXXX. No letter from a creditor, no initial validation notice, no bill no nothing and also reporting information that is different than what they sent to me On top of that on my credit karma it shows they are increasing the balance by {$1.00} in the beginning of each month then decreasing it by the middle of the month. So the account is being refreshed and shows a new collection every month. 

This is completely illegal and violates all the rules for a collection agency and reporting for a collection account. They have not provided any information that is accurate on my report or to me. Nothing that proves this is mines and using deceptive methods to continue reaging these collections and want this immediately removed
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem does involve my name ... My my name is also being changed on this report. my social security number is being attacked by equifax and i have been trying everything possible including making phone calls to them and sending documents to clear this up. My next move if this doesnt work is to contact a lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't have an XXXX loan with XXXX Empoyees I am XXXX They keep reporting a loan that is not mine!
Product: Mortgage

I was comparing mortgage rates. The lender asked me for the last 4 of SSN. I  provided. They then ran a hard credit check without telling me or asking my permission.
Product: Credit reporting or other personal consumer reports

Notification from Experian at XXXX that another dispute is ready to view on-line and the evidence I provide from this point on is purely for further? Experian tells customers that there disputes are ready to view on-line line but in all cases its a ploy to get you to call here customers service rep and give them your social security number AND WHEN YOU DO THAT THEY TELL YOU SORRY BUT EXPERIAN DOES NOT ALLOW THEN TO FIX ANYTHING, SCAM SCAM SCAM SCAM
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX ACCOUNT # XXXX in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Mortgage

XXXX XXXX  notified us in XXXX, 2019 that our mortgage loan was bought by XXXX XXXX but - not to worry - XXXX would continue servicing the loan. Fast forward to XXXX and a notice from XXXX XXXX  that our mortgage will be serviced by Flagstar Bank commencing XXXX. We received this notice on XXXX - 13 days before the transfer. The notice also instructed us to cancel our automatic withdrawal and wait for payment instructions from Flagstar Bank. We cancelled our automatic withdrawal on XXXX as instructed. 
As of this date, XXXX, we have received no - as in zero - communication from Flagstar Bank and are 8 days from the due date for our first payment. In a call to Flagstar Bank, they indicate that they will send out instructions on XXXX - nine days after our payment is due. But, they say, we can go to their website and set up our account. 

All of this presents several problems : 1. We realize that XXXX or XXXX XXXX has a right to sell the servicing rights to our mortgage, and they probably do that in bulk form by pressing a few keys. At that time they drop any obligations to the people affected. Those people then enter a kind of twilight zone unasked for and unwelcome. They should at least tell us " sayonara '' within the fifteen ( 15 ) days stated by law. 
2. Similarly, Flagstar has an obligation to tell us how this is supposed to work and do so in a timely fashion - within fifteen ( 15 ) days of the transfer. While XXXX - eight ( 8 ) days AFTER is - technically - within 15 days of the transfer date, we think the intention of that time period was to allow those affected to prepare for the transfer. 
3. Flagstar, in our call, says that we have a sixty ( 60 ) days " grace '' period to make our payment before being counted as " late ''. We've never missed or made a late payment at any time in our lives as our credit rating reflects. A mortgage loan is a contract, an " agreement '' between two parties. Each is expected to abide by the rules. 

So, to us at least, it appears that XXXX and Flagstar treat all this very casually - until they don't get their money. But, it is very disruptive and disconcerting to be placed in limbo without any real and timely guidance.
Product: Credit reporting or other personal consumer reports

I sent a dispute letter on XX/XX/XXXX asking why they are reporting incorrect information on my credit report. It shows 1 late payment on my report which is incorrect and I confirmed this with my lending company. The company Equifax responded by saying the confirmed that its is correct. I asked them how are the confirming this with lending company without my consent and provide proof on how the investigation was conducted. Under the Fair Credit Reporting Act laws. They reported my account as late for the month of XX/XX/22 & XX/XX/22. They updated XX/XX/22 and left XX/XX/22 as still showing late. This is an error in there end.
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. 

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 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 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 XXXXXXXX and 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 informati
on, 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 XXXX XXXX, who is submitting this CFPB complaint. This complaint to Experian was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$450.00} XXXX XXXXXXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$360.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

under 15 US Code 1681e ( b ) and 15 US Code 1681i ( 5 ) this account listed below is in violation not reporting 100 % accurate it lists. The entire amount is holding monies for the entirety of the debt to be paid off. Also, I have not given written permission for this debt to be shared with any other 3rd party. 

Account Name : XXXXXXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records 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. 

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 Balance {$0.00} XXXX XXXX XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX Balance {$590.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i  spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit card

I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report. This is crucial in ensuring the accuracy and integrity of my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX   XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting or other personal consumer reports

Currently shows 34 days past the due from XX/XX/XXXX to XX/XX/XXXX. This is information as wrong. There was two separate payments made in the amount {$58.00} on XX/XX/XXXX and XX/XX/XXXX of 2021. Attached documents will show the amount paid and the date paid. Therefore it could not have been past due 34 days if paid before XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I allowed Equifax mortgage to run my credit on XX/XX/XXXX but I did not give them permission to run it twice. This is affecting the amount of hard inquiries are on my report. I attempted to resolve this with the company but they said it would not affect my credit and refused to correct the error
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX lowered my credit line based on " Lack of Real Estate Secured Loan Information. '' In addition, to several other reasons that are incorrect and don't make sense to me. I'm XXXX yrs. old, why must I have a " secured real estate loan? '' Please advise if the credit scoring system used to predict my creditworthiness is valid and non-discriminatory.
Product: Mortgage

I refinanced, loan was paid off XX/XX/20 with Bank of America ( BOFA XXXX I paid my monthly mortgage in the amount of {$2600.00} using auto pay through BOFA. Auto pay was not stopped, subsequently another mortgage payment was released on XX/XX/20 to my closed BOFA mortgage account. From XX/XX/20 to XX/XX/20, Ive made numerous attempts by phone and social media to receive a refund and Ive received NO HELP. Ive called their customer service at XXXX XXXX XXXX numerous times and that was unsuccessful. I also initiated a complaint on XXXX with their Mortgage servicing Escalation Team on XX/XX/20. Per their request, I provided, my name, property address and telephone number and was told they would be happy to connect with me. I was assigned a Specialist on XX/XX/20. I have followed up about 4 or 5 times and I get no response as of XXXX. Thank you very much for your help, I look forward to hearing from you.