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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX 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 information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

l exercise my rights as a victim to use XXXX XXXX XXXX XXXX with Equifax. I submitted a letter stated which adverse items were to be blocked, I submitted a XXXX XXXX XXXX confirmation letter from the NYS. I submitted my state id Under section 605C of the Fair Credit Reporting Act my items was supposed to be blocked. Equifax stated they removed the adverse items they believe should be removed and kept what they believe should be kept on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXXXXXX is showing as a inquiry on my credit report. which someone tried to get a card in my name.
Product: Credit reporting or other personal consumer reports

My XXXX XXXXXXXX  Account has been showing on my credit report as CLOSED on transunion, and XXXX. The XXXX XXXX Account, # XXXX is NOT CLOSED. Account type- Credit Card. This account has been opened since XX/XX/year>XXXX  and its still currently opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX, ACCT. NO. XXXX IS WRONGFULLY APPEARING ON MY XXXX   AND EXPERIAN CREDIT FILES. 
I have never opened an account, received a card, charged anything or received any merchandise.My PURSE WAS STOLEN in late 2014 for which a police report was filed at the time.Many accounts were opened and much damage was caused by these thieves. 
Delete the account from my files, I have nothing to do with this company or account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey EQUIFAX, I never gave XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) permission nor the right to report on my consumer report & the fact that these accounts are reporting on my credit report without any written permission is against the law. This is a violation as well as identity theft. Please reverse this under 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) 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. Concerning the accounts listed below as a consumer I am demanding the deletion of the following accounts from my consumer report : XXXX : XXXX XXXX XXXXXXXX XXXX XXXX  Original Creditor : XXXX XXXX ) : XXXX XXXX XXXX XXXX : XXXX
Product: Mortgage

We recently sold a property at XXXX XXXX XXXX, XXXX MO XXXX. We were the owners and my husband was the listing agent. 
This property is in our own neighborhood. We purchased it, did a proper remodel and it was important to us to accept an owner occupied offer, as so many homeowners are getting beat out by investors with extremely competitive offers. 
We listed the property, received multiple offers on the property. We choose the offer based on the owner occupancy terms, conventional financing which came with a 20 day close. The lender stated they have done multiple loans for this buyer and they were a " slam dunk '' /strong buyer. 
Not even XXXX hours after we accepted the offer, the lender called and tried to change the financing to FHA because it would have significant savings to the buyer. We were not confident the appraisal would be completed in 20 days, so we did not agree to change it. Additionally, we aid a lot of buyers and to make a statement that FHA products somehow boast significant savings compared to a Conventional loan is not a new discovery. 
Moving forward, we closed on the house. 
We are now renovating the house across the street. Fixing up our neighborhood one house at a time! XXXX is still vacant. I reached out to the buyers agent 3 weeks post closing, concerned something happened. He said buyer just had to button up some things on her end but was having lawn service started and utilities turned on. Here we are now, almost 60 days past closing and still the owner has not taken occupancy. There is now a lockbox on the door. 
We are fearful that the owner is going to rent this property out & never intended to use this as a owner occupied property. It also raises concern that they have done this before, due to the lenders comment that they have done multiple loans for this buyer.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX, NUMBER : XXXX.
Product: Credit card

Over six months ago a fraudulent charge was made on macy 's XXXX card. It was for {$75.00} at XXXX # XXXX in XXXX PA on XXXX XXXX, 2015 according to the statement I was sent in XXXX of 2015. I called immediately upon receiving the statement as I do not use the card. The card has never left my possession or even my home in over a year and I had n't used it. I filled out the fraud affidavit and spoke to multiple agents regarding the fraud and they sent me XXXX letter confirming my " inquiry '' on XXXX XXXX 2015. They closed the card and sent me a new card and the balanced transferred the {$75.00} disputed charge on to the new card along with a late fee and interest charges. I called again and they stated they were working on it and that it could take time. Then they sent another bill each month since XXXX adding late fees to the disputed amount and interest charges. Each month I called and they are working on it and told me not to worry about the bills. They lowered my credit limit and the most recent bill is for XXXX. I have called multiple times and talked to people in the fraud department and now when I call they only will put me through to their collections department as they state my account it past due. I never made the original charge and I do not owe this money. I told them I no longer wanted to due business with them because I have never been treated so bad by anyone and they stated that they could not close my account because I owed money. I do not owe any money and the fraudulent charge should have been cleared months ago. I am also worried that they are reporting this to my credit bureau and they could not answer me when I asked that question. I want to resolve this without legal action so I do n't have to incur even more money due to the fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One XXXX XXXX Capital Venture. Account has a credit balance {$58.00} for past six ( 6 ) month and Capital refused to send money to us. We spoke with several representatives and not giving us any answer. We had another account with Capital and the funds were sent. 
We coming to you for advice and what can we do.
Product: Credit reporting or other personal consumer reports

There was an account opened up in my name XXXX of XXXX that I wasnt aware of until I started getting collection notifications! This account is NOT mine! So, I took action and contacted the company numerous times and the representatives told me that I was a liar because they had my information. I requested to close the account because it wasnt mine and so they did a month or so later! I had and currently have FRAUD ALERT on my credit report for the past XXXX years because of this! I have disputed this account numerous times with XXXX, XXXX, & XXXX. With one of the many investigations it was DELETED on XX/XX/XXXX, the proof is in the paperwork! The company still denies it! I have also filed numerous complaints with the XXXX  as well. Barclays Bank is still declaring the account to be accurate and that it is correct which is NOT true!
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws.

from ; tarra renae mcelmore ... thank
youSomeone needs to hold them accountable for this ALL THESE ACCOUNT NEED TO BR REMOVED IMMEDIATELY WITH IN 14 TO 30 DAYS MAX
Product: Credit card

I called CareCredit billing inquiry specialist -XXXX # XXXX at XXXX this morning of XX/XX/2016 about the closure letter they sent in regards to my complaint on a transaction charge. I tried explaining my issue in regards to product and services received was questionable raked with QC issues. She iterated that there was nothing she could do and that they are a bank only. I tried explaining that the product was defective in which I was charged {$650.00} for a XXXX that was less than 3 months old that never fit the first time XXXX. I explained that it broke upon removal XXXX twice. The final time it broke the XXXX refused to fix it or replace it and was told it would not be fixed. This is a lemon the 1st time I received and paid for the said product and it never worked accordingly with Quality issues. I explained that I should have to pay for this costs since it was a lemon to begin with.The person I spoke to was ignoring my plea and insisted that this was a bank only and refused to help. I even mentione dthat no one ever called me in regards to the investigation to hear both sides of the story or whether I have the option of formally writing in to dispute the claims made by the other party.In addition, when I requested to speak with her supervisor, I was told immediately that she was not available. When I asked to speak with the Dept Head, I was told the same thing - not available. When I insisted, she said that someone will call me back within a couple of days. This is a total brushoff. I am paying {$650.00} for a product that is defective from the start. I am not getting any fair credit card protection in this case nor any fair compromise or recourse.
Product: Credit reporting or other personal consumer reports

I currently have a property in escrow. Due to previous fraud, I freeze my credit. I contacted all three credit bureaus around the XXXX of XXXX. Equafax, on theyre automated system, said my credit is unfrozen. My banker tried to run my credit around the XXXX of XXXX. Both XXXX and XXXX sent the reports, Equafax would not release my credit to my banker. I contacted Equafax on XX/XX/XXXX, after a long wait I was connected to someone that could barley speak XXXX, in a noisy boiler room. That person stated my credit is unfrozen but they still could not release my credit report to the bank. I asked, how could my credit be unfrozen and frozen at the same time. The person responded with asking me to load a picture of my drivers license on an app ; which I did. After confirming receipt of my drivers license, the person said I have to mail identification documents through the mail. I said no, I have a property in escrow and need my credit release to my banker immediately, the person said they can not release my credit to my banker. I confirmed they confirmed my identity and demanded they unfreeze my credit and send the report to my banker. This person again stated my credit is is unfrozen but can not send the report to my banker. On the XXXX and XXXX of XXXX, I made several more calls only to get connected to a boiler room in XXXX. I was put on hold for about XXXX minutes to speak with a XXXX. The XXXX said there was some internal hold on my credit at Equafax, and would remove the hold. She stated my credit should be available within XXXX hours. My banker attempted to run my credit again after the XXXX hours, and could not. As of now my credit is still frozen by Equafax. I need XXXX to comply with the law and unfreeze my credit immediately so I can close escrow on the property I purchased. This is pathetic, I am forced to call XXXX and speak to people in XXXX world countries about my private credit details, it is obvious why there is so much credit fraud. I need the CFPB to get involved and make XXXX comply with the law and do what is required.
Product: Debt collection

This issue involved a disputed amount to be paid to XXXX XXXX in XXXX. There should have been no payment due on my part but I lost that battle with my insurance company 4 years ago. I contacted Credit Management company in writing on XXXX/XXXX/XXXX offering to settle this debt for {$120.00}, which I consider very fair, but have yet to hear back from them. I would like to get this issue resolved but lack of communication from them makes resolution impossible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent a letter to the XXXX, Equifax, and XXXX Credit Bureaus last XX/XX/XXXX requesting a verification and deletion of information on my credit file which I found to be fraudulent. Upon reviewing a copy of my updated credit report, most of the fraudulent items are still reporting on my credit report. I have been waiting for a response from the credit bureaus and yet I received nothing. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. Based on the previous information, I am hereby demanding deletion of the disputed accounts from my Credit file pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( a ). I will NOT accept another reinvestigation of the account, ONLY deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Team - I want to highlight and escalate an issue I am not receiving any help on. 

Bank involved - XXXX XXXX XXXX - Experian XXXX XX/XX/2022- I applied for a XXXX XXXX XXXX Credit Card. And there was a HARD INQUIRY on my credit report XXXX XX/XX/2022- I receive a letter to call XXXX as they need some information to continue the review. 

XXXX XX/XX/2022- I called XXXX ( phone no - XXXX ) and I was told that they just need to reconfirm some details which will NOT lead to a XXXX credit pull. I re-stated that if they need to re-apply/ re-pull my credit file - I DONOT want the card. this was all on a recorded line. 

UNFORTUNATELY- the team initiated a 2nd credit inquiry on my file while i was on the call.

THis is a gross misrepresentation and error on part of the bank- which will impact my credit score and my finances. 



I called Experian and they say I have to speak with the bank XXXX tells me they cant do anything. 

COuld you please help me!
Product: Checking or savings account

I am requesting that Simple send over my traction to XXXX XXXX on time.
Product: Credit reporting or other personal consumer reports

My car company was fully aware that my car was totaled. They receive both a check from the insurance. My account stated total loss as well as gap insurance that XXXX XXXX  provided for me and they are the third-party sent their payment but yet they posted my payoff check as a payment two years later marked my account for being 30 days late. This caused issues with the insurance company. They have been waiting on the title for years and I'm looking at a possible lawsuit and they need to remove it immediately. They do not have the right to continue to try to make me look like I am making payments on a car was deemed a total loss by the lienholder, as well as the insurance company who paid them their money, and the title was security for the insurance company which I have not been able to provide They have been waiting on their title for years and I'm looking at a possible lawsuit and they need to remove it immediately. They do not have the right to continue to try to make me look like I am making payments on a car was deemed a total loss by the lienholder, as well as the insurance company who paid them their money, and the title was security for the insurance company which I have not been able to provide.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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
Product: Mortgage

In XX/XX/XXXX, my wife 's mortgage loan with XXXX was sold to Caliber Home Loans beginning in XX/XX/XXXX. Our issues with the sale of our mortgage are many beginning with XXXX. Their claim was that our payments were late even though our payments were sent return receipt requested showing payments arrived on time. XXXX began returning our payments and threatening foreclosure even though we had a agreement from one of their representatives to fix so called problems. In any case the loan was sold. My wife has since passed away ( XX/XX/XXXX ) and I as her executor and beneficiary I have beentrying without success to get any reasonable or knowledgeable responses from Caliber Home Loans. They are as follows ; 1 ) We had a modification in XX/XX/XXXX with XXXX and with the contracts mandated for my wife to sign was a life insurance policy for the principle of the loan. With the sale of the loan to Caliber, which we were never given a notice of, this life insurance policy disappeared and were never given the choice of continuing on with the policy. XXXX was the beneficiary of the policy and XXXX paid for the policy through our mortgage. The mortgage was bought by XXXX who has changed the loan with no agreement from us. 
2 ) We have tried to get an explanation and accounting of how this mortgage grew from {$200000.00} to XXXX. Enclosed is a copy of the last XXXX statement and the first Caliber statement. 
3 ) Enclosed is a copy of the modification that Caliber has given me 15 days to sign even though I have repeatedly requested this information. We are willing to continue to make payments while this issue is being resolved. 

This could all be resolved if I did not keep getting different answers from everyone I communicate with.
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan being serviced by Shellpoint was transferred to XXXX  XXXX XXXX ( XXXX ) in XX/XX/XXXX. In XX/XX/XXXX, I paid off the loan to XXXX ; however, my current credit report shows that the loan to Shellpoint is still open, as opposed to being categorized as " closed ''. I contacted Shellpoint and the customer service representative stated that they no longer service the loan that I needed to contact XXXX. I explained that XXXX shows the loan as being paid off but open with Shellpoint. The rep again stated that XXXX was faulty. and they could not help me. 

Loan No.XXXX Contact info : SHELLPOINT XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX Phone # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act under 15 USC 1681, everything has to be 100 % accurate on my credit report. I specifically asked the XXXX, XXXX, and Experian to " investigate '' these accounts to make sure EVERYTHING is 100 % accurate. Account : XXXX XXXX AND XXXX XXXX They responded and said everything is 100 % accurate. THEY ARE COMPLETE LIARS. I have downloaded my most recent credit report and there are several inaccuracies, which means they didn't do a proper investigation as required per the FCRA. The high balance, date of last activity, date opened, are all reporting different numbers. How are they all reporting differently if they are getting their information from the same source!!!!!! 

Also the companies have violated my rights several times under 15 USC 1681. According to : 15 U.S.C 1681 Section 602 A : States I have the right to privacy. According to : 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. According to : 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.