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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX 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 an account without my written instructions. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions. 
In accordance with the Fair Credit Reporting Act 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 an account without my written instructions. 
In accordance with the Fair Credit Reporting Act 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 an account without my written instructions. 
In accordance with the Fair Credit Reporting Act 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 an account without my written instructions. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX 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 an account without my written instructions. 
In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Mortgage

I had a modification with Bayview Loan Servicing, I completed the trial payment period making all payments on time. As I was waiting on them to convert the mortgage to a conventional loan they did a title search were they found a lean for child support. This Lean is not valid and was not found by other title searches done on this property, or other mortgages that I have had. I even have a court order stating that I didn't owe child support, which they said did not prove anything. Bayview also will not return phone calls, or even make contacts with me about my modification. I have also received a letter stating that they are reconsidering my old modification based on the court document, and a decision was to be made by XX/XX/XXXX. As of today XX/XX/2018 there has been no decision. I believe that they are using stall tactics to take my house, and violating the modification law. I have also filed a complaint with XXXX XXXX pertaining to Bayview.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX a number of times to Transunion, this was a rental of a shed i return, CFPB consumer laws and regulations FCRA ; The term comsumer report does not include any of the following ; The purchase, Rental, or lease by the consumer of the person 's good or services.Transunion has been allowing XXXX XXXX  to say the information is correct, transunion needs to investigate this unlawful entry of XXXX XXXX.
Product: Mortgage

My mortgage was sold to Mr. Cooper shortly after closing in XXXX of 2022, we had a house fire on XX/XX/XXXX, the house was deemed 70 % destroyed. XXXX XXXX paid out over {$100.00} to Mr. Cooper for the rebuild. My house is now 75 % complete on the rebuild and Mr. Cooper can not secure a reliable company to do the inspection that they require in order to release the funds to the contractors. I have been calling Mr. Cooper for an entire month and been getting the run around. I've been given several numbers for inspectors and still to date no inspection has been done. I just feel like if Mr. Cooper can not do what they're supposed to which is secure an inspection, they should just release the funds so that me and my family can finally go home. I pay my mortgage on time for a house that I lived in less than 2 weeks and the biggest hold up is my mortgage company. Please help, it breaks my XXXX that me and my family could have been in our house for XXXX and now we won't. 

Thanks in advance!
Product: Debt collection

Dear XXXX I am an American living in XXXX. I moved here in XX/XX/XXXX. I have not visited US since that day. I received a letter, enclosed from I.C. System Inc, which purports that I have an outstanding debt of XXXX dollars for XXXX XXXX and have not paid this since XX/XX/XXXX. It was sent to an address in XXXX XXXX, Texas, belonging to my aunt, whose address I have given ONLY one company, XXXX XXXX Mortgage, since they needed a US address to process my XXXX mortgage modification, and would not allow me to use my XXXX  address. I use my XXXX  address with my credit card and checking account, also with XXXX XXXX. 

My issue is this : I used to use XXXX for my cell phone and XXXX needs since the year XXXX until I left the US to XXXX in XXXX XXXX. I have since used a XXXX provider for my data and XXXX needs. Second, XXXX XXXX  does not sound like a real company, they are trying to impersonate XXXX XXXX XXXX XXXX, which as you can see is spelt differently. Lastly, I have seen IS Systems is a XXXX XXXX, MN based collection agency, but I am not sure if the letter is sent to me by that company and I am afraid to contact them and give them any of my personally identifiable information for fear it is identify theft. 

I am requesting that the CFPB verify if this is a real communication from IC System , Inc and why this was sent to my aunts address in Texas, when this is not information available to anyone else but XXXX XXXX Mortgage. I believe CFPB must investigate IC Systems, and XXXX XXXX as it would seem that XXXX XXXX has in some way given my personal information to someone who is now using this infromation to either get XXXX dollars from me or get into my personal accounts or both. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently ordered my consumer credit file from XXXX, Experian and XXXX and notice these late payments with XXXX XXXX XXXX XXXX  ACCT # XXXX. I am requesting all late payments be removed from my file this finding has caused stress, my credit utilization to increase which ultimately has caused a low credit score and credit denials along with higher interest rates. 15 USC 1666 Does not include Late Payments. Please remember 15 USC 1681 ( b ), & 15 USC 6802. I have a right to privacy and I never gave any of the credit reporting agencies permission to furnish a report on me in the first place. The line of credit that I have with your company, which is characterized as utilization on my consumer report. Your company is illegally reporting this experience i.e. my utilization. On my credit report. Your company is in clear violation of the law pursuant to 15 USC section 1681 2 ( a ) ( i ) -exclusions except as provided in paragraph three, consumer report does not include a subject to section 1681S - 3 -of this title any ( i ) Report containing information solely as two transactions are experiences between the consumer and the person making the report. The law clearly states transactions or experience between the consumer which is myself and you the corporation making the report are not included on my consumer report. Utilization is an experience with the line of credit that was extended between the Consumer and me the person. Congress clearly states that the reporting transactions are experience between the consumer and the person making the report is not to be included on internal reports. My privacy rights has been violated and I have been denied credit due to your reporting of late payments and utilization.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent Transunion a credit dispute letter to remove incorrect information from my credit report via certified mail. In response on XX/XX/year>, Transunion stated that I didn't not send the correct verification information such as my Driver 's License, Socials Security Card, and a Bill to verify my address. 

This information is incorrect because I sent all of the items stated above. Attached is proof that I sent this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many ACCOUNTS which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove & block any ACCOUNTS which are found to be opened due to identity theft. The dispute items do not belong to me. Please block/remove these files. 


XXXX XXXX XXXX XXXX US DEPT . OF EDUCATIO XXXX
Product: Credit card

On XX/XX/2024, I was approved for an American Express XXXX XXXX XXXX card. In the original terms of service and terms and conditions of the this particular card. It stated that there is no preset spending limit and limits be calculated by paying your balances on time, no late payments and depending on how much money you receive your limit will fluctuate or decrease. However I was declined a purchase XX/XX/XXXX. I call customer service support specialist and told them I was declined purchase. The specialist told me that I had a preset spending limit of {$1000.00}. I asked them how so because my account was just opened. He assured me that as he looked at my account it showed that my spending limit was indeed set to {$1000.00}. This leads me to believe that American Experess is engaging in false advertising and misleading information. I would like to also file a claim with the SEC as American Express has violated their rights and abused their set forth rules.
Product: Mortgage

Check # XXXX. Services misapplied funds to a totally incorrect account, violating every financial regulation. Specifically, where [ principal, interest, Escrow ] were check # XXXX funds applied, and why?
Product: Credit reporting or other personal consumer reports

I'm trying to purchase a home & the negative items it keeping me from doing so according to the15 U.S. Code $ 1681c-2 there should not be any damages on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my right 15 U.S.C 1681 section 602A. States I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 : It also Sates a Consumer reporting agency can not furnish an account without my written instructions 15U.S.C. 166b A Creditor May not treat the payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these accounts immediately. These accounts are fraudulent reporting, I have contacted and place a security freeze on my account and items are still being placed on my consumer report without proper contact to verify this said Information. By LAW & STATUES I have rights that you are violating. I will send out letters to all Credit reporting agencies following this complaint. 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: Debt collection

I feel like I'm being taken advantage of being ignored of my disputes. XXXX makes it clear that failure to review an item within XXXX  days will result in its removal from my credit report immediately. These entries should be deleted immediately as they are older than XXXX days. I demand the immediate deletion of these accounts ; otherwise, I will sue you for the stress you have given me. 

XXXX ( Original Creditor : XXXX THE XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and so fourth thru present Acct Number : XXXX is reporting late payments and C/O on my consumer report. According to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) transactions between the consumer and the person/Corporation making the report is not included on the consumer reports yet this information is being reported to my consumer report.
Product: Checking or savings account

Ive had problems with Citibank since my account was opened. Over the last week. Ive been corresponding with company via Email in which it Completely contradicts some of their previous statements regarding this issue of me receiving my funds. 

These replys from the company state my account was in normal status and I should have been able to get my funds allocated to me ; in the time I needed them. ( as they were my funds. ) But Citibank didnt provide me this opportunity and I verified my identity on every level possible. 

I was treated as if I was scum on a shoe. And now in this reply from Citibank that I attached to this complaint. its stating they closed my account. But opened it to get a deposit but closed it again. But I was trying to get my money from them once I seen my XXXX went to their account. And was denied continuously. I should have gotten at least that part of my money back. As my account was closed and they werent accepting any more deposits. 

So if my account was active during the beginning of XXXX Why was my wire transfers denied out if my account. My XXXX access restricted. Why did they deny me the chance to activate my debit card ; so, I couldnt go to a ATM. Why havent I still gotten my check from my account closing. 

Citibank is gaining interest off my money. As I accumulate XXXX  of not having my funds in a pandemic. Due to this institution denying me because of the color of my skin. But after my account was supposedly closed. They still accepted a XXXX into that account. Even tho I received multiple emails of my account closing. And any deposits into the account would be returned. But they kept a XXXX. This bank is refusing to give me my funds. And I want this complaint to be public record with all images applied for future references to this matter. 

But the bank has yet to release my funds!!!! 


But I was bamboozled into opening my account. I had it for 3 days. The same day I switched my direct deposit. I had my email on my account status the next day. 

Ive been contacting this bank religiously trying to get my funds. Its all recorded how they treated me. I went to the branch and was denied. They told me my account had a block and they cant get it off. The banking official said they can do it on the phone. I explained the Fraud department said they couldnt either but I can visit a branch and you could allocate them and I was shoed outta their bank. 

They are playing with me. Opening and closing my account as they please and denying me my money ; Still!!!! This has been going on since XXXX. Im begging you to please help me.
Product: Credit reporting or other personal consumer reports

My account with this XXXX XXXX XXXX XXXX is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific accounts and inquiries from my credit file as I am a victim of a data breach, which has resulted in unauthorized use of my personal information. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate removal of the following fraudulent accounts and inquiries : Accounts : XXXX - XXXX - XX/XX/XXXX - {$5400.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} Inquiries : XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX, MD XXXX
Product: Debt collection

VALIDATION AND CEASE AND DESIST Portfolio Recovery Associates Disputes Department XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear CEO of Portfolio Recovery Associates I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Additionally, on my credit report date of last activity is listed as XX/XX/XXXX and date reported XX/XX/XXXX which is a violation as you are trying to reset the clock in this matter. Also, with the payment history, why is there a XXXX listed in XXXX, XXXX, when the date listed is XX/XX/XXXX. These are in direct violation of FCRA laws which would be {$1000.00} per violation which I intend to pursue if this is not removed. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent, unauthorized inquiries to my credit file. 
As a result, I disputed this identity fraud with this company on XX/XX/18 by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. But until now, as I am writing to you, this company is still reporting these fraudulent inquiries contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. 
Let this be a written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented disputes coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. The following are the fraudulent inquiries that I needed removed by this company : XXXX XXXX, Inquiry Date : XX/XX/2018 XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/2018 XXXXXXXX XXXX XXXXXXXX, XXXX A, Inquiry Date : XX/XX/2018 XXXX XXXX, Inquiry Date : XX/XX/2018 I am attaching the dispute letter/documents I sent to this company on the XXXX of XXXX, 2018 in case they need to reference or review.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received two inquires from XXXX XXXX and XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). I purchased a car, using XXXX XXXX XXXX. I did not recognize those two inquiries. I reached out to the company via CFPB, and received the attached response. They state that they have no record of anyone by name. Therefore it proves there is an error with this report.
Product: Debt collection

On XX/XX/year>, I was left a voicemail by XXXX XXXX of Northwestern Mediation Services claiming a complaint was filed in his office, and if I didnt respond by XXXX eastern time, his clients will have the right to move forward and send out notification which may require me to appear. He has also called my mother looking for me.
Product: Credit reporting or other personal consumer reports

Ive already submitted a FTC report. With identitytheft.com I need the inquiries below remove off my account because I did not authorize these companies to run my credit it is fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX