23daVinci/CFPB_Complaints huggingface dataset:
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 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.

with this violation occuring It has created hardship with me being able to utillize my credit report to get approved for housing, I havent been able to get the best rates on auto loan to purchase a car causing issues with finding jobs in my area that require traveling. Im not able to apply for major credit cards to start funding a business this has me in a financial hold. Not being able to apply for personal loans to help pay bills such as medical, rent, utilities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has used my personal information to open or attempt to open accounts in my name without my knowledge or consent. 
I received an alert that an inquiry was made by XXXX on XX/XX/2019 that I did not authorize. I contacted XXXX using the phone number provided with the inquiry and left two messages and have not received a response. I received a alert that an inquiry was made by ComenityCapital/XXXX on XX/XX/2019 that I did not authorize. I called and spoke with someone in the Fraud department who assured me the account was not established and the inquiry would be removed. I have not yet received confirmation of this in writing and the inquiry is still reflected on my credit profile. I received an alert that a new account with XXXX had been reported on my credit with an open date of XX/XX/2019 and a {$370.00} balance. I did not apply for any of these lines of credit.
Product: Student loan

on XX/XX/XXXX I received an alert that my credit score dropped XXXX points. When reviewing it was attached to a Citizens student loan for my son and it was reported 30/60 days late. I called immediately and asked them to resolve as I autopay and have never missed a payment. I was told by 3 separate CSR 's that they also show 100 % on time payment history but they don't see it as being reported late to any bureau. I sent supporting docs showing my credit report AND my payment history. After 2 full weeks their response was " Thank you for your recent credit inquiry. After careful review of your account as required by the Fair Credit Reporting Act ( FCRA ), it has been determined the loan referenced above requires no adjustment because all credit reporting is valid and accurate. '' This is incorrect and even after being provided proof that it was reported to all 3 bureaus they still refuse to adjust. As a loan officer my credit is extremely important to me since I get annual credit and criminal background checks. I am held accountable for my financial behavior since I act as a fiduciary. Unfortunately, some lending institutions do not want to do their due diligence to ensure that their work is correct and it has a major impact on the client. 

Not only have they been getting on time payments but instead of deferring I am paying them back while my son is in school. The amount of time I have had to dedicate to getting this corrected for myself AND my son is ridiculous. It is banks like this that make it impossible for borrowers to achieve their financial goals. If I had a need for a mortgage or a car at this very moment I would have a very negative buying experience in terms of what I would qualify for with rates. Prior to this my credit score was an XXXX. It is time to actually hold these institutions accountable for their lazy documentation and reporting practices.
Product: Debt or credit management

Today, Friday, XX/XX/year> at XXXX XXXX, I received a message from Banco de Amrica, arguing that I owe a debt on their company. I currently do not have an ID, I am in the process of being granted asylum before immigration. Subsequently, I went to the agency to report the fraud of the message. Then to the police agency in XXXX, he told me to only block the number that the fraud attempt is feasible. I attach the message sent to my cell phone. 
I attach the message sent to my cell phone : CA EDD ACH created a group in XXXX XXXX with you and 10 other participants. Reply to chat or # help for tool tips. 

Adding this contact card to your contacts will help you identify the group profile. 
D :, XXXX XXXX.. eddpreactiveprocessing.glitch.me
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that MERCHANT AND PROFESSIONALS would verify the debt. So I took it upon myself to ask MERCHANT AND PROFESSIONALS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}, XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$450.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$410.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

In XXXX I was trying to get auto insurance & open a checking account with a bank. The bank ran my auto profile, & I discovered that a person in Idaho had used my SSN to get auto insurance at 3 different auto companies. I had to file a police report & they went to her residence in Idaho & asked her to show them a SS card. She showed them a card, but it didn't mean that she didn't have my SSN written down somewhere, because three auto insurance companies should not have gotten it wrong, three different times. The Bank that I was trying to get enrolled in finally allowed me, but not until after I had her information removed from my " LexisNexis '' report & up to that date ( XXXX ), I had never heard of LexisNexis. LexisNexis also had on my personal records that I owned land in XXXX, ID where this lady lived. I've never been to XXXX, ID & I don't own land anywhere in the world. After writing LexisNexis many times regarding this information to be removed off of my records along with other incorrect information that they have listed about me, I'm still fighting them on this. I've written LexisNexis over 6 times to have this information corrected and still they have incorrect information on my records. I'm so tired of fighting with them and having to go through this over and over that I'm at my wits end. They have addresses that I have lived at over 40 years ago still on my records which serve no purpose at all. They have that I had lived in XXXX, VA ( through XXXX  ) and I have NEVER lived there, but they say that all of this information is verified by the three credit bureaus to which it has not been, because I have copies of my reports and no where does it list that I ever lived in XXXX, XXXX How do I get them to correct my information once and for all? They had told me that in XXXX, everything was corrected & then in XXXX I requested a copy of my records again to find out that nothing had been corrected and I'm still fighting them. They say that they have contacted the three credit bureaus to verify what is on my records which is a lie, because the information is NOT on my credit reports. I don't know if I'm allowed to sue LexisNexis but that is my next step if I can. The have listed that I have two birth dates & I only have one date of birth. This is a lot of trouble for me to have to go through over and over, I'm XXXX XXXX XXXX, on XXXX XXXX and I don't need this kind of on-going headache with these people. Are there any solutions or companies that I can use to get these taken care of once and for all? Thank you in advance.
Product: Debt collection

XXXX fraudulently opened a loan for {$64000.00}. I did not sign the document and it was canceled. Now, they say I owe {$64000.00} and sent a California Preliminary Notice. We have no contract, but once I agreed to pay {$37000.00} and am willing to pay that if I have to. The general manager said my signature was not on documents. I paid to have a lawyer evaluate one of the invoices. He said it was fraud. I am complaining about the signature and the fact that they changed information on the invoice, kept the same number. I filed complaints with the FBI, FTC, XXXX, CSLB, the Attorney General, and IDTHEFT.gov. 
Now, my son signed for the California Preliminary Notice letter and I read it. It was fraudulently constructed and sent. It was dated XX/XX/2024. I dont ha meeting with my lawyer until XX/XX/2024 at XXXX. 

I just received a form from the CSLB. I need paperwork that shows the plumber in not licensed with the state and this would make the California Preliminary Notice even more fraudulent, because an unlicensed plumber can charge no more than {$500.00}.
Product: Mortgage

I have had a mortgage with XXXX XXXX since XX/XX/XXXX and XXXX bought the loan servicing agreement from XXXX XXXXXXXX in XX/XX/XXXX according to my records. 
Since XX/XX/XXXX, we have had a dispute with XXXX XXXX and subsequently XXXX which has never been resolved. 
On XX/XX/XXXX I sent 96 pages by fax to XXXX XXXX from a local chase branch with proof of payments. I have a receipt for that fax. 
They never responded. My son, wrote a letter to them in XX/XX/XXXX outlining our dispute for payments not credited in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
I have sent them proof of missed credit for payments and excessive escrow charges to my mortgage account from their payment history which they told CFPB they had submitted to me as a resolution for the problem. The problem has never been solved. XXXX XXXX and now SPS who bought the servicing contract on my loan, has never addressed the proof of payments that I have submitted to them. 
The payment history from XXXX which they sent to me, clearly shows excessive capitalization to my mortgage account of {$170000.00} since XX/XX/XXXX. 
In reconciling these charges, I have discovered that the amount of {$100000.00} is owed to my mortgage account since XX/XX/XXXX which has not been credited. 
As stated above I sent 96 pages by fax from a local XXXX branch to them in XX/XX/XXXX which XXXX and now SPS has never acknowledged. 
They have never acknowledged receipt of this proof of payments to substantiate my claim. 
Therefore I am requesting a complete review of my account which includes crediting the payments I have submitted and acknowledging the excessive escrow charges made to my account which is shown on the XXXX payment transaction hiostory. 
I submitted a prior complaint to the Consumer Finance Protection Board on XX/XX/XXXX and the complaint number is # XXXX which you stated the company has submitted a reply but this reply is not correct or acceptable to me. 

They may have responded to my complaint to your agency dated XX/XX/XXXX. But they did not address the problems of the missed payment credits nor the excessive accrued interest payments and escrow charges made to my mortgage account as evidenced by the XXXX Transaction payment history and the proof of payments I sent to them in XX/XX/XXXX. 

Lately SPS sent me a Cancellation of Debt Notice for {$210000.00} dated XX/XX/XXXX but according to the SPS payment history they only excused {$71000.00} from the Deferred Interest Balance. 
The notice they sent to me or {$210000.00} is erroneous and I have sent them many letters requesting that they sent a corrected statement which they have not done. 
This notice has tax implications and the amount stated on it is not correct and it must be corrected. 
I am asking you to please reopen this case and it has not been resolved in a correct way to reflect my payments that were not credited when it was a XXXX mortgage and excessive escrow charges for taxes and insurance. 

Respectfully Submitted, XXXX XXXX
Product: Credit card

I was charged for a transaction I did not agree too for a Hotel booking XXXX. A day later, I receive an email stating I did not show for a hotel stay and was liable for {$54.00} in cancellation charges. The hotel then charges me $ XXXX, which does not align with what I was " liable for '' in the email. 

I disagree with the initial charge, and also with the amount that was charged. 

I then contacted Barclays to dispute the charge. I was refunded the amount and told an investigation was open. About a month later, I received a call asking for more information. I provided the requested information to a rather unprofessional, uniformed member of Barclays team who told me I would need to destroy my card and receive a new XXXX, and that the information provided was sufficient to move forward with my dispute. Then, 2 days later and without notice, I see the charge is reversed on my bill and I am now being charged the full $ XXXX ( again, which does not align with what I supposedly owe ). 

Upon contacting a manager, he admits the previous agents fault and lack of professionalism, but refuses to reopen the case or change the amount charge to the previously quoted $ XXXX. This supervisor was rude and very argumentative, and also claimed to waive a fee that I was not charged ( Annual Fee ) to make things right with me, even though I had already cancelled the card and no longer owed the Annual Fee. The deceptive practices of this " supervisor '' was appalling and the unprofessionalism of Barclays as a whole disguising.
Product: Credit reporting or other personal consumer reports

PLEASE ADD ON TO THE FOLLOWING CASE XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 
15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agency not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, impliedor otherwise is revoked. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TRANSUNION ( on this day and the time you did ) reporting inaccurate information from alleged creditor name by XXXX XXXX XXXX. The alleged creditor XXXX XXXX XXXX is a third- party collector which is a violation of 18 U.S.C . 1028A AGGRAVATED IDENTITY THEFT, which is lawful to contact a third party with my private and personal business. I, the consumer never gave TRANSUNION permission to take my information.

TRANSUNION have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This account is not mine not is the alleged debt, nor did I have a contract to do business with XXXX XXXX XXXX TRANSUNION has failed to provide one, the consumer with any accurate validation in writing pursuant to the FAIR CREDIT REPORTING ACT, 15 USC 1681g, I expressed my right for full disclosure to me of all the documents they have recorded and retained in the consumers file at the time of requested concerning the alleged account to support TRANSUNION claims on my credit file. 

Furthermore TRANSUNION has claim they are doing an investigation Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Which TRANSUNION is in violation because I was not given any type of these reports in this investigation.

Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency may furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently looked on my XXXX XXXX Account and noticed a few hard inquires with my profile. 

1 - XXXX/XXXX - This was approved by XXXX and I should not have any hard inquiry with this card as it was approved and not declined. Please remove this from my credit account. 

2. XXXX ( XXXX XXXX ) - XXXX  will not list that this will affect your credit score, nor did I apply for XXXX XXXX. They've not provided information on what this was for and I would like this removed as well. 

3. XXXX XXXX ( XX/XX/XXXX ) - I did not apply for any loans, I did look at loan " offers '' through XX/XX/XXXX, but I did not apply for any to pull credit information from my account. 

4. US Bank. ( XX/XX/XXXX ) - I had a secured card from U.S Bank,  therefore this should not effect my credit score, I did not apply for any other card besides the secured card that I had opened. 

Please remove these from my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

On XX/XX/2020 I agreed to purchase a XXXX XXXX XXXX XXXX through XXXX XXXX. I was able to finance the vehicle for a purchase price of {$9700.00} through a company known as XXXX XXXX. I made my payments monthly to XXXX XXXX at a rate of XXXX XXXX. In total, I have paid {$110000.00} on the vehicle. At some point XXXX XXXX went bankrupt and sent the remainder of the interest payments to Westlake Portfolio Management with no notice. I did not sign any agreement with Westlake Portfolio Management, nor did I know it was a debt collector. I continued making payments on the vehicle up until last month. The vehicle is unable to function due to a part that has been discontinued by XXXX ( part number XXXX ). Without the part, the vehicle has been deemed unsafe to drive. I would like to settle out this account with the amount that has been paid on it, as I have already paid {$2000.00} in interest for a non-functioning vehicle. The company refuses to settle, so I would like to dispute the charge as I do not have a legally binding agreement with Westlake Portfolio Management. Please advise on how I should proceed. 

Thank you, XXXX XXXX