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

On XX/XX/20 I wrote Experian about two fraudulent accounts On my credit profile due to identity theft. Experian only removed one of the fraudulent accounts. The account XXXX XXXX XXXX is stilll reporting, how ever I never didnt business with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried two times to get ALS/XXXX XXXX XXXX XXXX to correct my payment history which shows the following incorrect status : XX/XX/XXXX - 180 XX/XX/XXXX - FS The home with which this loan was associated sold on XX/XX/XXXX. As part of my attempt to resolve the incorrect payment history, I sent copies of the settlement statement and the XXXX I received from them showing the date of disposition. Despite the above, no change to my payment history has been made. I also had a second with XXXX XXXX on the same property and that history is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

In accordance with the Fair Credit Reporting act the follow companies/entities have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( NEVER LATE ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX U.S. DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Paid as Agreed and never late delete all 30 and 60 day derogatory remarks or completely delete this item ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Hard Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This inquiry is scheduled to continue on record until XX/XX/XXXX. 

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.
Product: Credit reporting

Someone stole my identity and opened a XXXX account in the XXXX XXXX XX/XX/XXXX for about {$3800.00}. I 've lived in XXXX since XX/XX/XXXX. I 've had XXXX since XX/XX/XXXX. The same phone number for 10 years. Also I 've never lived in XXXX. XX/XX/XXXX I filed a police report where I live in XXXX stating this account and possibly others is identity theft. A few years back the state of XXXX tax dept was hacked exposing XXXX residents personal info such as social security numbers. I ca n't verify that is the reason of my identify fraud but I assume that 's the only logical explanation. I have the XXXX police report, my XXXX id and the utility bill for my place in XXXX to dispute these charges.
Product: Credit card or prepaid card

Amidst this worldwide crisis that we are facing with all that is going on this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Beginning on XX/XX/XXXX, I began communication with an individual named XXXX XXXX ( XXXX ) about signing a lease for an apartment that he was advertising on XXXX in XXXX, Vermont. XXXX then proceeded to ask me to sign up for these accounts on Transunion that would check my criminal background and credit score. I then asked XXXX to provide me the exact address of the apartment, which he never answered. I also repeatedly called him, but would not pick up. These Transunion accounts that he requested me to sign up for also cost money, but promised he would refund me. After I created an account on Transunion that would supply my credit score, he told me that it would also provide him information on my criminal background ( which I have no criminal history ), but then he made me sign up for another account that costed me money called IdentityForce ( also affiliated with Transunion ). This website required social security information, credit card information, and billing address, but it was just an account that helped prevent against identity theft. I created the account, and he said I would need a cosigner because my credit score was not good enough in his opinion, so he then requested my father to also create accounts on the same Transunion websites that I filled out. I denied, told him I need him to answer my phone calls, and allow me a chance to see the property before I sign up for anything else requiring my credit card information. After signing up for these accounts, I signed into my credit card company account, and I noticed that I then had charge on an XXXX XXXX XXXX  ( Which I have no idea what it is because I never signed up for it ) account for {$10000.00}. I have contacted my bank, they canceled my card, told me to call authorities, and to file a report/complaint. I have tried to get in touch with XXXX, but he is now not answering me. I believe a new account has been made under my name, and I want to take legal action now.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2021, I spoke to an Equifax supervisor regarding a creditor not displaying on my credit file. The supervisor advised as a result of a complaint against Equifax, Equifax contacted XXXX XXXX XXXX XXXX to confirm whether or not the credit information was to appear from my file. The supervisor advised between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX stated to delete open and active accounts from my credit report. The supervisor stated he along with two additional departments he would work to have the accounts placed back on my credit report. He also stated he would investigate and contact me today. 

After, not hearing from the supervisor, I contacted Equifax, and requested to speak to a supervisor. XXXX, ID # : XXXX took the call. XXXX informed me the previous supervisor did not document the matter ; rather the notes, according to XXXX stated to escalate the matter. XXXX, refused to tell me the department in which the matter was escalated to. All XXXX continued to ask me for 40 minutes what did I want to do? I over and over again advise him to read the notes. XXXX continued to state " there were no notes ', 'and if I had a reference number ''. 

For 45 minutes, XXXX, Equifax Supervisor would not assist me in resolving the matter. I continued to tell him I wanted the accounts to be placed back onto my account ; he needed to take the dispute and contact XXXX XXXX to determine what reason they deleted my accounts. XXXX refused to take a dispute ; stating, " you need to contact the creditor ''. I advised I did. 

I ended up disconnecting from the call. I have never experienced the blatant disregard from a supervisor I did from XXXX. His refusal to gather information, to look into the matter, take a dispute if needed, or simple research the notes was unprofessional and disrespectful to me and his duty. I disconnected the call without the matter being resolved. 

To date, Equifax has not fixed the false information or investigated the false information reported to Equifax, as a result, the account is not displaying on my report. Their action has caused an injury to my credit score. The aforementioned is an ongoing matter with XXXX XXXX XXXX XXXX XXXX. It Equifax and XXXX XXXX are working together to dismantle all the hard work I have done to improve my credit score.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information was already removed but still showing.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15USC 1681 section 602a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies, and I am the consumer. I have the right to make sure my private information isn't being shared which is backed by15 USC 6801. XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX is a financial institution under the title 15 USC 6801. 15 USC 1681 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 who it relates. " XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX '' the financial institution and the consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and don't have my written consent. All consent to XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that non-disclosure option. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX never informed me of my right to exercise my non disclosure option. 15 USC subsection ( b ), 1681C ( a ) ( 5 ) states " Except as authorizedunder no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse items, other than convictions of crimes which antedates the report by more than seven years. This account is an adverse account that you are reporting without my permission which is against the law. 15 USC 1681s-2 ( A ) ( 1 ) a states " A person shall not furnish any information relating to a consumerto any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under 1681b of this title. 12CFR 1016.7 states '' A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 6. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 7. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX FL XXXX 8. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX
Product: Mortgage

This is the letter I submitted to Fay Servicing regarding property taxes that they paid on my behalf out of my escrow account, on a piece of property that I did NOT own. 

To date, they have done nothing to resolve the issue. 

RE : Property taxes being paid ( on our behalf by your organization ) to the City of XXXX for real property, which we do not own Property in Question : Borough : XXXX XXXX : XXXX XXXX : XXXX Entire Lot ( parking space ) Unit : XXXX Address : XXXX XXXX XXXX XXXX To Whom It May Concern, It has come to my attention that it appears that we are paying property taxes from our escrow account for a piece of property that we no longer own. ( Your company is managing our escrow account and paying these taxes on our behalf. ) On XXXX XXXX, XXXX, we sold our parking spot ( under said mortgage ), to another unit owner ( XXXX XXXX XXXX ) in our condominium building. I have attached copies of the the transaction and the transfer of the deed. 

The City Of XXXX appears to have recorded this sale properly ( see attachments ). 

However, XXXX, in their never-ending corporate incompetence ( which I have experienced multiple times with this mortgage ) sold you a mortgage to service which no longer contains this property. We originally purchased our condominium and parking spot together at the same time, both independent real property entities under XXXX mortgage ( the one we 're now paying through your organization ). 

We applied for, and were granted, a partial release of mortgage from XXXX. We were given permission to sell the parking spot, which we did. XXXX, in a very underhanded way, wound up keeping more than half of the net proceeds from the sale. 

Please update my mortgage documents to reflect that WE NO LONGER OWN THE PARKING SPOT under this mortgage. We have not held title to this property for more than a year. 

That means all the property taxes for the parking which that you paid to the City of New York on our behalf last year ( XXXX, as well as the parking spot property taxes from XXXX XXXX - XXXX XXXX ) are owed to us and should be returned to us. 



Also, DO NOT continue to pay property taxes on this sold property ( parking spot ) on our behalf. We no longer own it. 

If you have any questions, or need any additional documentation, please let me know. You can find all the documentation regarding this past transaction at the website for XXXX. 

XXXX
Product: Debt collection

DNF Associates of New York has reported me to XXXX for a charged off debt that was first reported delinquent and last paid on XX/XX/2016. The original debt was issued by XXXX XXXX XXXXXXXX, charged off, and closed. However, this debt is now over 7-years old. I am concerned because this entry is adversely impacting my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within XXXX days.
Product: Credit reporting, credit repair services, or other personal consumer reports

capitol reported 2 credit inquirers in XX/XX/2017 XX/XX/2017 I did not auhourize these their phone number is XXXX XXXX XXXX I contacted them and they told me they would remove them but they only removed them from XXXX  not XXXX XXXX report I sent XXXX XXXX a letter over 6 months ago still no response they know they were unauthorized by me they removed XXXX but not XXXX XXXX please help me
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One cited technical issues, which may violate the electronic funds transfer act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Mortgage

Shellpoint mortgage has not complied with their agreement of assumption making it difficult for me to pay the mortgage to the account in which I assumed. 

They still have the account opened in my ex husbands name after the assumption was granted and an account in my name as well. ( please see document dated XX/XX/XXXX. ) I had to endure ongoing fax, email and calls, showing them documents from my bank stating only one mortgage payment was returned to my bank ; however, they placed account in delinquency. ( XX/XX/XXXX letter, outline my efforts ). 
I requested the online account access information be in my name only, which I was told the IT department will correct. Account not updated as of this date. 

I obtained an email last week to notify ex husband the mortgage is due. 
I am being harassed by ex husband because this information is still on his credit report. 

.They caused me financial hardship by taking two mortgage payments in the month of XXXX ; hence they have and still continue not to close the account in my ex-husband name. 


They failed to file the new deed in my name only with the City of XXXX deed department. They failed to send me a copy of the assumption paperwork after I requested on several occassions.
Product: Money transfer, virtual currency, or money service

I am writing this to whom it may concern expressing my concerns regarding the handling the disputes in light of the recent lawsuit issue in the platform. Despite using Zelle numerous of times and reporting discrepancies my final institution and Zelle failed to investigate my claims adequately. The CFPBs finding indicate that Zelle has not only has neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users, consumers vulnerable to scams.
Product: Checking or savings account

Wells Fargo incorrectly charged me fees on a checking account that I had in XXXX. I want to be included in the settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in complete distress due to the credit bureaus violating my right to privacy, and reporting the companies listed in this complaint without my written permission, written consent or written instructions. I have not at any time provided the credit bureaus or the companies listed in this complaint with written permission, written consent or written instructions to report these items on my credit reports. They are breaking the laws set in place by the Fair Credit Reporting Act. 

They have broken the following Fair Credit Reporting Act laws : 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 : States a consumer reporting agency can not furnish an account without my written instructions Their violations have caused me to be denied credit, denied the right to purchase a home, declined the right to lease an apartment, denied business loans, denied employment, and denied insurance. Their violations have also caused me distress and embarrassment. These violations must end now. 

I would like each of the following companies deleted from my credit reports immediately : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX
Product: Credit reporting or other personal consumer reports

My contract has ended with this loan company XXXX XXXX XXXX sine XXXX but they state that I owe them money when I don't as I explisitly asked them for any missing payments and to get caught back up in XXXX of XXXX in which they gave me an amount of XXXX which I paid and then proceeded to make my normal monthly payments now they are stating I still owe them money. They have transferred my loan several times failed to keep accurate billing of my account and asking me to provide them statements showing that I paid my bill on time after my loan being transferred back to them for my loan servicing. They are in violation of multiple federal and state laws. Furthermore, I asked them to stop contacting me and they are still contacting me. I also asked them to close this account and mark it as paid in full in which they failed to do so as required by law since my contract ended with them. Furthermore, they are posting in accurate information on my credit reports stating I had late payments with out notifying me and asking my permission to post said information on my credit reports. Also all the information they are posting is false as I have the documentation to prove it. They are in violation of US consumer law and FCRA and TDCA and continue to harrass me about this alleged debt as of today via email when I explictly asked them to not contact me anymore about this debt and mark it paid in full and pay me damages which they failed to do so.