23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My information has been stolen and used without my permission, consent, nor my knowledge whom ever stole my information applied for Auto loans, credit cards, and many other items, here a list of unauthorized inquiries that was made on my report : XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX. All the above listed inquiries are unauthorized and was done without my permission, permission, nor consent and must be deleted from my credit report with all credit bureaus under these illegal inquiries are reported illegally on my check systems report, Experian report, XXXX report, and XXXX XXXX report. It must be removed ASAP. Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. These inquiries are all unauthorized and must be deleted asap under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 15 U.S.C. 1681s-2 ( b ). These inquiries are unauthorized please remove them thank you.
Product: Mortgage

In XX/XX/2020 my home loan was purchased from Ditech by NewRez. Since that time my home loan has not been reporting to the credit bureau. NewRez 's website states they have 30 days to start reporting. In XX/XX/2020 I called to find out why it was still not showing up on my credit report and they told me my account had been flagged bankruptcy when it should not have been and that they would fix it immediately. I then received a letter via email on XXXX over a month from when I spoke to them apologizing for their error and they would fix the problem and my home would report starting in XXXX. I have owned my home for over three years and the lack of credit reporting for 9 months has affected my credit in a negative way. I am asking that NewRez report my loan as stated on their website for the duration of the time they have had my loan.
Product: Credit reporting or other personal consumer reports

I have had a current mortgage with XXXX XXXX for over XXXX  years now. Never missed a payment ( nor have I on any mortgage in my XXXX year history )! I was out of town and the auto draft schedule with my bank was reversed in XXXX. No one at XXXX XXXX called OR emailed ( both contact points of which they had on file for years and, in fact, marketed to me with well over XXXX marketing related emails during the period in question ). In early XX/XX/XXXX the autopay ( ACH ) was kicked back by my bank. I was given NO notification ( email or mobile ) and was also not notified that they would not re-attempt the XXXX ACH NOR would they even attempt the XX/XX/XXXX auto draft. 

Not once they attempt to call me the mobile OR email me. BOTH of those contact points they have. 

Also, I double paid my mortgage payment for over XXXX months in XXXX and yet. 

They are not willing to adjust the credit reporting and yet, they updated their software system no later than the end of XXXX. Then the payments started to be NSF. No calls, no emails, nothing. Just late fees and reporting to credit agencies.
Product: Debt collection

I do NOT have any account with this so-called bank, XXXX or Comenity Capital Bank XXXX Never heard of them. 

They STOLE my cell/telephone number from somewhere and have called me, calling me by a person 's name who I am Not. 

Their phone number is XXXX. 

I received the 1st call on XXXX XXXX, 2021 from a " Mr. XXXX '', ext. XXXX. 

The 2nd call came on XXXX XXXX, 2021 from " Specialist XXXX '' ext. XXXX. 

I want these scammers to stop calling me and to be stopped from hacking accounts and stealing cellphone numbers! 

I have never given my cell number out except to my personal bank, so they must have stolen it from there! 

And why are they calling me in regards to a person I am not!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent me my title, stamped Free And Clear and Lien released. Attached was a letter telling me how to go about filing my title at the XXXX or how to use it if I want to trade in my vehicle when I purchase a new vehicle. I am in the process of trying to purchase a home, and they can not proceed because they are reporting my loan over 90 days late and saying my account is a charge off, which is dropping my credit score too low to purchase my home. I need this to show that the loan is paid off and that the lien has been released. This is not ok, that I have this title for my vehicle in my hand. If XXXX XXXX made an error in sending me my title, then this is something they need to eat not me. I should NOT be showing a charged off account for my vehicle that is in my name and now owned by me.
Product: Debt collection

A debt collector sends a us mail letter dates from XXXX or XX/XX/XXXX through XXXX XXXX. We have been corresponding back and forth several times via us mail about getting debt validation and verfication done. I can not see alleged debt is mine unless they can verify the correct amount. This can only be proved by a statement or copy of record of my last payment towards this debt. History prior : The bank I was paying was using a third party collector and sending the money to the bank. In XX/XX/XXXX, this servicer abruptly told be that they terminated all accounts with bank, and no records could I see. The account was gone I was told. All accounts involving my bank, not just mine. 3 months later, bank sends me a letter saying that they sold the debt to the current debt collector who has no knowledge of my payments or how far or how little it was paid off. all they have is the present balance which was given to them by old bank when they bought it amounts alleged approx {$2000.00} The debt collector has sent 3 times a package of statements from original creditor bank with dates through XXXX but no records from XXXX the amount claimed is not found on those it was a higher original balance and no record of payments after XXXX. Therefore debt collector must cease all collection activites, since they are in violation of federal code ck
Product: Mortgage

While applying for a loan modification my home was sold and my lawyer is requesting for a jury trial, for a wrongful eviction. Date to be determined by the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 
I am attaching Response in Opposition to Motion for Judgment on the Pleading. 
I respectfully request your intervention with the company doing the wrongdoing. 
TIFFANY & BOSCO , P.A . 
XXXX XXXX XXXX, XXXX Shareholder XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX AZ XXXX D XXXX P XXXX | F XXXX
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.

Account : # XXXX, Account name : XXXX XXXX XXXX, Account # XXXX, Account name : XXXX XXXX XXXX, Account # XXXX, Account name : XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX Account # XXXX, Account name : XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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. Account name XXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX Account number 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 account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take 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 the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sold my information. I didnt even get a notice that my information was compromised. I had to find out on my own. Then they charged me for credit report and i subscribed to what i thought was credit monitoring. That account has been compromised. XXXX opened account using my info that is connected to two XXXX  numbers and each number has two additional accounts associated with each number. Then they didn't protect my personal info at all then selling it on the dark web. Then tp top it off XXXX XXXX  XXXX sim swapped me and took over my sell phone getting phishing message all from XXXX customer care. My email is hacked XXXX messenger its outta control. Who ever stole my identity is monitoring my credit and making dispute so i won't find out. Its my credit and i wan na be able to access and use it. They also are trying t get settlement money also. Help me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX Equifax Amount {$640.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have disputed with these companies how my rights was violated by HIPPA, I have no communication with the reporting company that this was a collection for my report and I have not given them consent to report on my credit profile because it was not formally verified AND the companies has not submitted any supporting documents that is was my account. 
I have demanded physical evidence from XXXX and Equifax but they have not sent any evidence to confirm this account meets the FCRA. 

They have also not responded to many unauthorized inquires that was not removed from my account.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX specifically XXXX XXXXwhich falls under XXXX as defined by the XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity.Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXXXXXX XXXX.According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from XXXX XXXX within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent EQUIFAX a certified mail letter requesting that my personal information be corrected. I have reached out to EQUIFAX several times requesting that my personal information be corrected, in which I have yet to receive a response. 
EQUIFAX is in violation of my rights as a Federally Protected Consumer!
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concerns regarding XXXXXXXX XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

XXXX XXXX XXXX was seized in XXXX. They had no right to seize my property pursuant to Title 15 USC 1692e ( 4 ). Not only did they seize my property but constantly tried to make me make payments which is false and misleading pursuant to Title 15 USC 1692e ( 6 ) ( A ). They invaded my privacy pursuant to Title 15 USC 1692 ( a ). They seized my property for a debt that was already paid when i extended my credit to the bank. They are stating they are the original creditor when pursuant to Title 12, section XXXX, XXXX XXXXbanks can not loan credit, only money. Pursuant to Title 15 USC 1692 ( a ) ( 4 ) the original creditor is the one who extends credit and I extended the credit via my credit card ( SSN ). They created a false form violating Title15 USC 1692 ( a ), stating they were giving me an loan and I was a borrower, when there is no such thing as a loan in Title 15 TILA or FDCPCA. They also sold my location information and other information to a third party debt collector which is against Title 15 USC  1692c ( b ). They did not have my permission and they may not communicate with any other person other then the consumer. USAA also ruined my reputation and violated my rights by giving my information to consumer reporting agencies without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file. 

Please take notice that I am updating my personal information with all XXXX major credit reporting agencies as described in 1681a ( p ) to ensure that I am protected as a consumer. Therefore, I have enclosed proof of current residence, social security number, and a copy of my identification card. Please update my information accordingly. Any of the following personal information ( any name variations, social security number variations or date of birth variations ) that differs from the information listed below I hereby request its removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Account : XXXX Account # : XXXX has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX, I'm filing this CFPB complaint under FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency XXXX and remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a few XXXX credit card Accounts listed below. This request IS NOT MADE IN ERROR OF ANY KIND! PLEASE BLOCK AND DELETE THESE ACCOUNTS that will be listed in this complaint.
Product: Credit reporting or other personal consumer reports

I have sent many prior requests to your company to reinvestigate several inquiries that I believe to be incorrect on my credit report. Arent you required to complete these investigations within 30 days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I will once again list the inquiries in need of investigation : I have tried to contact every one of the companies listed and most of them do not even have any record of me. How can they have a permissible business purpose to pull my credit if they dont even know who I am? 

Please do as you are governed under the Fair Credit Reporting Act and do a complete investigation on the listed inquiries. Provide me with the results of your investigation within 30 days of receipt of this letter. I am sending this letter certified mail, return receipt requested so that I will have documented confirmation of delivery. 

XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023 and XXXX XXXX , XXXX XX/XX/2023.
Product: Checking or savings account

On XX/XX/2022 ; TD bank reverse provisional credit for XXXX car payment transaction for the amount of {$320.00}. The provisional credit was credited to my checking on XXXX XXXX because I the XXXX transaction was paid twice. Therefore, I had it disputed. However, TD bank is reverse provisional credit. My account is in a negative balance because of this and another transaction for XXXX XXXX XXXX for the amount of {$92.00}. I did not set up auto payment or XXXX XXXX XXXX XXXX permission to withdraw funds from my TD bank checking account.
Product: Vehicle loan or lease

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without written instructions under 15 USCS 166b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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 XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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: Mortgage

I financed the purchase of my home in XX/XX/2022 with a mortgage loan from XXXXXXXX XXXX, which sold the loan to XXXX. Starting with the XX/XX/2022, payment, Mr. Cooper ( aka Nationstar ) acquired the servicing rights. 

I paid the monthly payment of {$3700.00} via XXXX on XX/XX/XXXX and on XX/XX/XXXX, and Mr. Cooper acknowledges receiving both payments. However, when I checked my credit reports with the XXXX national credit bureaus, the payments have not yet been reported. I called Mr. Cooper yesterday and was advised the XXXX payment would be reported at the end of XXXX and the XXXX payment at the end of XXXX. 

The consumer loan XXXX XXXX with the national credit bureaus requires prompt reporting of payments for the system to work. Creditors review credit reports during underwriting, and loan payments reported 2 months after the payment were made frustrate the system. If I'm in default, a lender reviewing my loan needs to see that information promptly -- not XXXX weeks later. And if I'm making timely payments, the creditor needs that information in support of its credit decision. 

The reporting of timely loan payments will boost my credit score, especially with a large mortgage loan, to which the credit scoring models assign a high weight. My credit score took a hit because of the credit inquiries when I applied for the mortgage and because a large loan amount was reported for the first payment in XXXX with the initial servicer ( XXXX XXXX XXXX ). 

It is baffling and frustrating that Mr , Cooper waits around XXXX weeks to report my loan payments. Section 623 of the Fair Credit Reporting Act requires furnishers to report accurate information to the consumer reporting agencies. It is potentially a violation if Mr. Cooper waits XXXX weeks to report my loan payments because stale information is arguably inaccurate in the context of a consumer loan XXXX XXXX that needs recent payment information. My current loan balance is {$530000.00}, but the credit bureaus list it as {$530000.00}. This is inaccurate because it does not reflect the XXXX and XXXX payments. See FCRA section 623.
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 have both violated my rights M15 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