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

XXXX has marked my payment for XXXX as past due 45 days. I am under the XXXX program since XXXX of 2022 and my mortgage will be paid for 18 months. XXXX was already notified of this and the checks go out every month for payment. I have called and tried to get this escalated with no assistance from customer service. They can not track the payment down and have not helped what so ever. Now my credit report is being flagged for late payments and has gone down XXXX points!
Product: Credit card

unauthorized inquiry on my XXXX and XXXX credit report. i did not apply for credit
Product: Credit reporting or other personal consumer reports

Dear Discover, I am writing to request that my personal information not be shared with third-party non-affiliated companies, as permitted by 15 USC 6802 and 16 CFR 313.7 As A Federal Protected Consumer to Exercise My Consumer Rights.

As a consumer, I value my privacy and wish to exercise my right to opt-out of the sharing of my personal information for marketing purposes with companies that are not affiliated with your institution. 

Please consider this letter as my formal request to opt-out of any such sharing of my personal information with third-party non-affiliated companies immediately and indefinitely. 

I understand that you are required to comply with this opt-out request promptly upon receipt, and I expect confirmation of this action in writing. 

Please be advised that this opt-out request is not to be construed as a revocation of any consent previously provided under other applicable laws or regulations. 

If you have any questions or require further information, please do not hesitate to contact me at the email address provided or phone number Associated with CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXXXXXX XXXX SELF LENDER C/O SELF FINANCIAL , INC , for committing identity theft. I have never given XXXXXXXX XXXX SELF LENDER C/O SELF FINANCIAL , INC , any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have not validated any alleged debt with XXXXXXXX XXXX SELF LENDER C/O SELF FINANCIAL , INC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving XXXX XXXX  SELF LENDER C/O SELF FINANCIAL , INC any right to collect on this alleged debt. 
I have never received any documentation requesting validation from XXXX XXXX SELF LENDER C/O SELF FINANCIAL , INC , before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If XXXXXXXX XXXX  SELF LENDER C/O SELF FINANCIAL , INC , can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXXXXXX XXXX SELF LENDER C/O SELF FINANCIAL , INC , can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXXXXXX XXXX SELF LENDER C/O SELF FINANCIAL , INC , continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX  SELF LENDER C/O SELF FINANCIAL , INC , will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion , theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Prepaid card

I received multiple AMEX gift cards from my employer. I have successfully used the card twice and cant get it to work anywhere even though there is funds available on the card. 

These virtual cards are declined online and in brick and mortar stores, at restaurants and grocery stores, or XXXX wallet - no one will take these cards. 

I call AMEX customer service and they can not offer me any resolution. They can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts AMEX ). They can not transfer my balances for my four unusable virtual cards to a physical card. They can not offer me a refund. 

They do not allow you to use the cards for partial payments, nor do they allow you to charge too close to the total card balance. 

I have been unable to use the card twice and that is it. My money is inaccessible. All I want is the total balance on my cards in cash/check.
Product: Mortgage

My house is in foreclosure. I received an extension for the sale date of my home for XXXX XXXX, 2015. XXXX XXXX, 2015 An '' Affidavit of Legal Publication - NTC OF SALE ON XXXX AT XXXX '' was entered into the court official records. XXXX XXXX, 2015 I received a loan modification approval letter for my Trial Period Plan. The XXXX of XXXX payments was made on time and receipt was confirmed by Chase.
Product: Credit reporting or other personal consumer reports

Cfpb only goes by what the company replies. Cfbb does not enforce the violations by Diversified Adjustment Service. They allow that company to give the same reply response Company public response Company believes it acted appropriately as authorized by contract or law Cfpb does not fix the customers complaints. They let the companies violate the law " ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a member of XXXXXXXX XXXX XXXX XXXXXXXX XXXX. A few weeks ago I noticed an inquiry on my account that I did not authorize. I contacted XXXX and they removed it. Two days ago I got an alert that my credit score had dropped XXXX points and there were several more inquiries on my account that I did not authorize. I froze my account with XXXX, Transunion and XXXX. I called each company and disputed these inquiries. These inquiries are : Inquiry date XX/XX/XXXX Inquiry date XX/XX/XXXX Inquiry date XX/XX/XXXX Inquiry date XX/XX/XXXX Inquiry date XX/XX/XXXXXXXX XXXX
Product: Debt collection

Sent debt validation letter XX/XX/XXXX to Portfolio Recovery requesting that they provide me with the wet ink signature contract, purchase agreement from the previous creditor XXXX XXXX as well as a copy ( s ) of any documents that show I agreed to pay Portfolio Recovery what they say I owe. I received a generic letter back from Portfolio stating that they purchased the debt from XXXX XXXX but did not provide me with a copy of the wet ink signature contract, purchase agreement as well as any documents showing that I agreed to pay them what they say I owe. XX/XX/XXXX I received additional documents from Portfolio Recovery stating that this was their proof of validity. The documents sent is a copy of an old billing statement. Removal of this debt off of my credit is imminent due to no validation on the part of Portfolio Recovery.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM SUBMITTING THIS COMPLAINT ON BEHALF OF MYSELF. NO THIRD PARTY OR OTHER PERSON IS INVOLVED. 
I recently made a complaint regarding information or items listed on my credit reports that I did not authorize consent nor benefit from. I then asked you to block and remove thos items. 
The case was closed because you responded that it appeared someone other than myself submitted the complaints. 
I AM RESUBMITTING MY COMPLAINT ON MY OWN BEHALF in hopes that it will actually be looked into this time.
Product: Mortgage

During the last week in XXXX, I contacted company servicing my mortgage, XXXX of Virginia XXXX, VA, to discuss my payoff payment and upcoming real estate taxes. 
My final mortgage payment was due on XXXX XXXX and my real estate taxes were due on XXXX XXXX. My fear was that by paying off the mortgage, the company would no longer pay escrow items, despite having collected escrow over the past year. My escrow information page on the company 's website showed a projected dispersal in XXXX for the taxes, but I wanted confirmation. The associate confirmed that my real estate taxes would be paid in XXXX. 
On XXXX XXXX, I checked their website and found that my real estate taxes had not been paid in XXXX as both indicated on their website and confirmed by phone. I spoke to a XXXX, XXXX XXXX ID XXXX XXXX who told me that because my loan had been paid off that the company would no longer pay escrow items. I explained that was in conflict with what I had been told the previous week, but he could n't explain it as " everyone '' knew that once a loan was paid off, they essentially stopped servicing it. He said that he would have the XXXX department issue the escrow funds so I could pay my real estate taxes that were due on the XXXX. 
On XXXX XXXX, I checked and my escrow account still had the same funds in it. I called and talked to a different XXXX, XXXX XXXX ID XXXX XXXX who could n't explain either why my taxes were n't paid in XXXX or why my escrow had n't been released as I was told. She said she understood the pending taxes and told me that she would have my escrow released and overnighted to me so that I could have the funds on the XXXX. 
This evening, XXXX XXXX, with no expedited mail received, I checked my online account information again and the escrow funds have not been released. My taxes are now overdue and when I 've called this evening, all XXXX are unavailable. 
I 'm requesting assistance in freeing up my escrow funds to pay my now overdue real estate taxes. A quick internet search shows that others have experienced similar issues with this company paying escrow items. 
Thanks in advance, XXXX XXXX
Product: Student loan

MOHELA is my loan servicer. 

XX/XX/22 submitted updated PSLF application to complete forgiveness. 

XX/XX/22 form status updated to processed in my online account but no eligible verification needed payments from XXXX have been updated based on the latest PSLF form XXXX 

XX/XX/22 called customer service but after over an hour on hold, call was disconnected without being able to speak to representative. 

XX/XX/22 called customer service. Spoke to rep who told me that even though my account shows the form is processed it is actually not completely processed & we need to continue to wait. When we asked why its taking more than the started 90 days, we were told that they mean 90 business days which is not clearly stated anywhere on their site or in the procedure. 

We intend to call back in a month to see what has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so bold that equifax has lowerd my credit score from over XXXX down XXXX with a fraudulant account on my report From XXXX XXXX XXXX they refuse to change my name from XXXX too my government name XXXX as well as remove account from my credit and adjust score. And Fraud collection calls from XXXX XXXX XXXX about this account every day.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by TransUnion, XXXX and XXXX. TransUnion, XXXX and XXXX has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX - XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Filed a dispute for bankruptcy listed on credit file Dispute came back verified, however the clerk of courts in XXXX XXXX stated they do not verify any individuals bankruptcy information to the credit bureaus or any third party for that matter. This bankruptcy listed has been vacated to my understanding and therefore should be deleted from my credit file immediately under the FCRA. Another Credit Reporting Agency has already done so after properly investigating, see attached.
Product: Debt collection

XXXX charged off credit card debt from a failed business venture and reported it as a consumer account on my credit report. I disputed the accounts with XXXX and in retaliation XXXX sold the debt to an outside debt collection agency called Sherman Originators, LLC. The only reason I was notified that Sherman Originators, LLC owned the disputed debt is because XXXX responded to a complaint I filed with them regarding the failed business venture. I did not receive a notification from Sherman Originators, LLC. about an attempt to collect a debt or information verifying the debt was mine which is in violation of the requirements set forth by The Fair Debt Collection Practices Act ( FDCPA ) and The California Fair Debt Collection Practices Act ( CFCPA ). Additionally, after checking my credit report the debt was sold again to a company called LVNV Funding, LLC. I contacted LVNV and they sent a letter that appeared to be in compliance with regulations set forth by the FDCPA and the CFCPA. However, I was unable to dispute the matter because the company received inaccurate information from the Sherman Originators and ultimately XXXX regarding the classification of consumer and business debts. XXXX and Sherman Originators did not meet requirements set forth by The Fair Debt Collection Practices Act ( FDCPA ) and The California Fair Debt Collection Practices Act ( CFCPA ). Additionally, LVNV Funding, LLC refused to acknowledge they received incomplete and inaccurate information from Sherman Originators, LLC and ultimately XXXX. How can inaccurate information and failure by the companies to properly notify, stemming from the original source, continue to be reported to my consumer reports?
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see this date and accounts that are in inaccuracies : XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I have called and mailed Equifax multiple times and also have been discussing with XXXXXXXX XXXX  my mortgage account # XXXX. Equifax accidentally removed my mortgage from their reporting almost a year ago. My bank XXXXXXXX XXXX  has also been sending Equifax the data to report but they are failing to do so. I've called recently and they requested i send my contact information to approve the reinsertion of XXXX XXXX Mortgage account # XXXX. I have provided ( Attached ) a credit report from Equifax showing they where reporting my mortgage before account # XXXX. Also ( Attached ) I have the letter XXXX has sent Equifax time and time again. Furthermore, I have attached my recent XXXX and XXXX XXXX showing this account in good standing. I need Equifax to insert this loan and history into my credit file and be fair to me in their reporting. Equifax has recorded calls of me calling about this and we have a XXXX XXXX over XXXX year requesting this to happen. Our next step if Equifax doesn't comply is to exercise our rights under FRCA guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.. Delete the following inquiries off my Experian credit report XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. I would like this item immediately re-investigated. XXXX XXXX XXXXXX/XX/year>. The following inquiry was not authorized and should not be reported XXXX XXXX .The following inquiry was not authorized and should not be reported XXXX XXXX XXXXXX/XX/year>. The following inquiry was not authorized and should not be reported.XXXX XXXX XXXX XXXX XXXXXX/XX/year>. The following inquiry was not authorized and should not be reported XXXX XXXX XXXX. The following inquiry was not authorized and should not be reported XXXX XXXX XXXX XXXX. The following inquiry was not authorized and should not be reported XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year>. 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 XXXX years. 15 U.S.C 1681s-2 ( A ) ( a ) 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

XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my ( name of the credit bureauXXXX  XXXX and/or XXXX ) credit report. My latest credit report shows 5 credit inquiries that I did not authorize XXXX  credit XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( ALL ACCOUNTS ) XXXX XXXX ( XX/XX/XXXX ), 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, nor use my SSN without my consent or permission.

LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER IIA 1679c Quick search by citation : Title enter title Section section 15 U.S. Code 1679c - Disclosures U.S. Code Notes prev | next ( a ) Disclosure required Any credit repair organization shall provide any consumer with the following written statement before any contract or agreement between the consumer and the credit repair organization is executed : Consumer Credit File Rights Under State and Federal Law You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years. 

You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.

You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations.

You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it.

Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.

You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.