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

On XX/XX/2019 I contacted the company in regards to XXXX bankruptcy this is on my report and asked the method of verification and also for proof of verification. I received a letter stating the information was verified through a third party company called XXXX XXXX where they purchased my information. This alone is a violation of FCRA and USC laws. These laws state that i have the right to privacy meaning i did not give them authorization to report this information on my behalf. FCRA 623 ( a ) ( 5 ) states that if the credit bureau cant validate the information with the ORIGINAL CREDITOR they must remove the information from my credit report. Also be aware that NO COURT IN THE U.S.A. VALIDATES NOR REPORT to any agency or bureau. YOU HAVE 15 DAYS FROM RECEIVING THIS TO VALIDATE THIS OR REMOVE IT
Product: Debt collection

This complaint is just a continuous ongoing violation by Citibank, a company that even as XXXX pending complaints are awaiting a response from Citibank to ongoing, none stop harassing phone calls continue to date. This illegal and blatant disregard for XXXX, a cease and desist letter was sent to this company, Citibank on XX/XX/year> sent certified mail with signature verification provided as proof of delivery, then a letter sent by Citibanks dated XX/XX/year> send XXXX XXXXXXXX day air to me and received on XX/XX/year> was a letter of acknowledgment of receiving my cease and desist letter and goes on to state that Citibank will no longer contact me to this alleged debt per my demand cease and desist letter. Only for the next day, XX/XX/year> Citibank continues to call my home ( XXXX ) times ( see attached pics ). I filed another complaint with your office as well as with the Federal Trade Commission and the XXXX  ( see attached pics of such complaint cases still pending a response from Citibank to date ). Then on XX/XX/year> AGAIN, Citibank continues to violate my demands to cease and desist along with an open complaint with your agency, the XXXX and Federal Trade Commission is open and ongoing without a response yet to date from Citibank. Now Again, on XX/XX/year> Citibank AGAIN continues to violate the XXXX Fair Debt Collection Practices Act ( 15 USC, 1692c ) and my legal request in my letter of cease and desist received by them on XX/XX/year> by calling my home AGAIN today, XX/XX/year> @ XXXXXXXX XXXX and then XXXXXXXX XXXX. ( See attached phone log attached as well as past phone log of past violations by this company, Citibank. This is outrageous and unacceptable behavior of this company, Citibank that just ignores the XXXX laws protecting customers and my legal request to cease and desist. Citibank has not responded to the, now today, this XXXX complaint through the department of consumer affairs to this latest incident and illegal activity by Citibank but still has not responded to any government oversight agencies such as department XXXX consumer affairs, The Federal Trade Commission and the XXXX as to my request for assistance and filed complaints to date. This is not only unethical but illegal and now is harassment and intimidation tactics are beyond outrageous but I my have to file a restraining order against this company, Citibank for ignoring all laws and rights by a consumer as well as government agencies. Please help stop this illegal activity
Product: Payday loan, title loan, or personal loan

Cash aisles online payday loans charge XXXX for XXXX if you make monthly payments!
Product: Credit reporting or other personal consumer reports

The organization will not respond to letters disputing incorrect information under FCRA Sec 605, 609, 611, 623. 

No response was received after XXXX days after the letter was sent.
Product: Vehicle loan or lease

On XX/XX/year>, I visited Bank of America concerning the incorrect withdrawals from my account. The agreement was for withdrawal on the XXXX of each month and the bank was withdrawing money on the XXXX of each month. This eventually ending in my account being overdrawn. I spoke with a Financial XXXX XXXX from Bank of America. I have contacted XXXX on two occasions about the status of the complaint and I have not received a response. The complaint ID is XXXX. I expect a written response from the company with some explanation and resolution for my inconvenience.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has submitted XXXX late payments on my loan account in error. We were denied us of our vehicle and service contract and the late payments were XXXX by there error on a breached contract. The late payments need to be deleted by XXXX XXXX or a lawsuit will be filed against the XXXX credit reporting agencies directly and they can fight it out with the bank in court amoungst yourselves. 

To note this case is not in litigation. Has NEVER been In
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I leased a vehicle from XXXX XXXX XXXX. When I first got the vehicle I informed XXXX XXXX  that was an issue with the front of the vehicle and that it was missing a side panel of the vehicle. I called them various times about it. They said o call your insurance they should be able to fix it if you think that its a big issue. I let it be as they obviously didn't think it was a big issue. The lease was for 2 years. I went on with the lease on XX/XX/XXXXsomething of XXXX we took the lease back to the place they told us to. We left the car and the keys. The people there even tried to get us into a new lease. They said we were good to go and sent us off on our way. I had seen that they were on my credit report so I tried to call them and even email them, they should have all them logged in their system since they ask me for my personal information every time. Every time that I contacted them they keep giving me the run around. That they would email me, and then the email was a copy of the loan agreement, and to call them, and the cycle continued. Last I heard was that " it takes time to be off the credit report ''. 

On XX/XX/XXXX I received a letter from a lawyer asking us to pay off the lease. Nothing was given to us from the day that we left the vehicle until today. There was an accident XX/XX/XXXX which the insurance covered and the vehicle was returned like before. The vehicle was returned to them the same way that it was given to us with miles driven. Note we didn't have a mileage amount listed on the contract that we needed to keep the vehicle under. As the contract said that we would be charged when we returned the vehicle and we were not, we left. Again we were even told we could use that amount for a down payment on a loan for a different vehicle. 

I sent an email to the lawyer on XX/XX/XXXX, Please see attached. I also called him and left him a voice mail. 

I did not hear back On XX/XX/XXXX I sent a second email and I called as well. This time he answered and he said that the way this works is that he will get the information from his client and then I have 10 days to call him back or he will take me to court. He said that I could also call him and pay it. He asked me why I didn't think I should pay it. I told him that the vehicle was returned and when returned no issues were informed, and I never heard from anyone until I got his letter. He said that he would send me the clause of the contract and what ever other fees his client incurred. 

I did not get anything back, and the information is showing as non payment for over 100 days
Product: Mortgage

We have been trying to remove the MI on a property we have owned since XXXX. We called back in XXXX and asked for it to be done. They told us we needed LTV to be 65 % from original unless we wanted to pay for appraisal and get current loan to value. The appraisal fee was expensive. So we decided to wait. Although early XXXX we were at a 65 % LTV based on original value as I have done an amortization schedule. The MI should have stopped then. We just called again recently. They said they would send us what the required. Our LTV is 55.7 % currently. They are still telling us that we need to do appraisal. The appraisal ( thru XXXX XXXX is more expensive then what is charged to borrowers for a purchase. If we were to refinance the property, we would probably get an appraisal waiver since the loan to value is under 75 %. However, after doing much research I have come to the following conclusions : The loan is a XXXX XXXX XXXX. The servicer is Wells Fargo that already has a lot of bad publicity taken advantage of consumers. The reason for mortgage insurance is in case of default of the mortgage. If we had put down 20 % instead of 10 % and went with this same lender back then, we would not have been required to get mortgage insurance. We feel as we are being taken advantage of. There really is no risk anymore and isnt that ultimately what the MI covers? We are at a 55 % LTV now. We have paid enough down in equity over almost 16 years that the MI should not be necessary at this point. 
We researched the guidelines for a XXXX XXXX based on Non HPA Mortgage since this is an investment property. This is what was found. Section 4203.1 There are two choices A or B. and it is respectively. So I am on section A ) Borrower-requested cancelation of Borrower-paid mortgage insurance based on original value. It does not state anything about at the Borrowers expense an appraisal is required. All it states is cancelation point. Evidence of value which the servicer must warrant the original value of the mortgaged premises, at minimum, supports the LTV ratio required and lastly payment history. They are using {$310000.00} which I know that is what we paid for the property and that is what is used when appraisal comes in higher, however ironically I have a copy of the original appraisal and it actually came in at {$320000.00}. The appraisal in our mind is not an issue. 
P.S. How would a consumer know what the MI entails as far as getting out of it. There is nothing in the loan package that states that arbitrarily the servicer can require an appraisal. I feel as if my mortgage would be paid down to {$0.00} and they would still want the {$46.00} a month. 
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Product: Credit reporting or other personal consumer reports

EXPERIAN continues to violate the fair credit reporting act. Experian has not provided an explanation to the questions I have asked in my previous eight complaints. 

XXXX Incorrect information on your report XXXX Incorrect information on your report XXXX Incorrect information on your report XXXX Incorrect information on your report XXXX Improper use of your report XXXX Improper use of your report XXXX Improper use of your report XXXX Improper use of your report Since EXPERIAN is operating outside of the American Legal system - Fair Credit Reporting Act, I hereby revoke all permissions EXPERIAN may assert I granted them to utilize my name and social security number for credit reporting services and other undisclosed purposes. This revocation applies to the all the companies that have conducted soft inquiries during my requested security freeze. My conclusion is that EXPERIAN is modeling XXXXXXXX XXXX  social credit scoring system and imposing that system upon me. I did not volunteer to participate in such system. 
Missing information in my report for example, is the absence of employment history. The Social Security Administration is now relying on the credit report and identity providers to provide information to their agency that the government agency should already have. A example of the information is XXXX contributions to Social Security through employment which is information the IRS should already have. In addition, the US Treasury Department awarded a five year contract to XXXX XXXX to validate accounts for the IRS and Social Security. So if XXXX XXXX determines your SSA account is not valid, the bank will not issue the social security payments on behalf of the SSA. In addition, Americans can expect more SSI overpayments will be created as debt on their name and social security numbers. The false debt will be used against any social security payments at due at retirement age. survivor benefits, disability or XXXX. SSA Option 6, whatever that means appeared on my EXPERIAN credit report recently to create a false SSI overpayment. The fact that SSA is appearing on my credit report proves that EXPERIAN is facilitating a social credit system similar to XXXX. 
How accurate will the information provided to SSA be from EXPERIAN and XXXX XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX acccount # XXXX Date opened XX/XX/2020 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
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 USC 1681 ( 2 ) ( a ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in consumer reports. 

The IRS defines a charged off account as canceled debt that you must pay taxes on. 

charged off accounts over {$600.00} reporting to your consumer account is fraud.
Product: Mortgage

We've previously filed a complaint regarding this issue with CFPB. Freedom Mortgage ( one of our current servicers for a VA loan ) will not stop calling us offering a lower interest rate despite having asked several times to be removed from their marketing list. Each time we spoke with them, we were assured that we would be removed from this list and a supervisor confirmed towards the end of XXXX that we will not be receiving any further calls. However, I just received another call today ( XX/XX/2020 ) from XXXX at XXXX MST from a gentleman claiming to be with Freedom Mortgage, again asking me if I've had a chance to review their offer of a lower interest rate on my mortgage. 

Is there any way CFPB could please contact this company and audit these calls? This has to be illegal. The phone number in question is a cell phone. In the meantime, I have removed my contact information from their system to hopefully prevent further calls, however I can't be the only person this is happening to and this matter really needs to be investigated. Please help! Thank you!
Product: Debt collection

Debt collector ERC claiming to collect a debt that we DO NOT owe. Will not provide any other information other than to say the debt is from XXXX and that the amount owed is {$66.00}. Will not provide any proof. Continues to call ... We are still customers of XXXX and have n't received any information from them. XXXX is trying get us back as a customer. Why would they want us back if we still owe them money? The Email address they used to contact us is over 10 years old. I think they are fake and we paid a XXXX $ debt to a collection agency 2 years ago, we may have been scammed then.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, my husband and I, applied for a mortgage through Rapid Mortgage in XXXX OH ( offices in XXXX and other towns too ), but on our report it shows XXXX XXXX. 

That isn't the issue. 

The issue is that in XX/XX/2019, our credit was ran again without our consent. 

The companies ' headquarters in XXXX has the XXXX, OH office delete all of our information, but this unapproved inquiry is still showing. The person in XXXX, OH that ran our credit was XXXX XXXX, and again, this was NOT authorized. 

This man became hostile, rude, and belligerent toward our XXXX XXXX when we ask about this ; and that is when we contacted the main office and asked for him to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never opened these accounts : Account name XXXX XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Account name KOHLS/CAPONE Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$440.00} written off. {$440.00} past due as of XX/XX/XXXX Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$910.00} written off. {$910.00} past due as of XXXX XXXX. 

Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$130.00} written off. {$130.00} past due as of XX/XX/XXXX. 

Account name XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Amount {$530.00} Account name XXXX XXXX XXXX  Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX {$530.00}
Product: Credit card

On XX/XX/2023 XXXX XXXX XXXX in XXXX, FL charged my CareCredit card {$5000.00} for XXXX  services and XXXX  procedures not yet commenced. I disputed the charge and CareCredit reversed it. But on XX/XX/2023 CareCredit posted a {$5000.00} charge, described as " Merchandise Sale XXXX OH. '' I disputed the new charge, and I asked CareCredit to send me a photocopy of my alleged " signature authorization '' but they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Long story short was a co-signer on a car for my soon to be ex husband ( listed as or on registration ). Nasty divorce. He would stop paying I would have to pay for it any time before it got to the 30 days so as to not affect my credit. Well I finally found the car in XXXX using a private investigator towed it and sold it to a private seller paying the Balance and the check clearing on XX/XX/XXXX the due date. I was ecstatic finally I could stop stressing my credit! Then it showed up on my credit report as XXXX payment being late. I sent a letter to XXXX in early XXXX to dispute it. It was denied. I had them send me the payment records which show that XXXX was made on time. I filed with experian, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX got denied. Reached out to XXXX chat feature where the XXXX rep actually agreed that XXXX was made on time and had to send it to a manager to escalate the manager XXXX called me. He too agreed that XXXX payment was made on time however he explained ( and their calls are monitored I hope ) that because I had made the payment before it got to 30 days each month that XXXX could never report it as being late because I made the payment but with final payoffs they are allowed to bring the account current ( that didnt make sense to me but whatever ). He went to Looking through the records and said something about a payment in XXXX being late. I said thats fine but can you please update my credit report. Because although my husband hasnt shown up to any court dates he could potentially show up at one and use the credit report as proof that I claim to be so worried about my credit yet the ONE MONTH when I towed the car from him to sell it is the month that was +30 days over. I just want whatever the late month is if there is even one to be shown. He told me my credit report should be showing the correct month and if I felt it was incorrect to email him and he would look. He was very rude. I hope you can listen to the call. I emailed him on XX/XX/XXXX and heard nothing back so emailed on XX/XX/XXXX and still nothing so on XX/XX/XXXX I filed with XXXX again and they still did not update. So I came to the CFPB and finally XXXX   has removed it from showing as late ( attached is a screenshot of their response ). They must have finally had an actual human look at the documents. As even the payment history being supplied by XXXX shows the account being PAID IN FULL CLOSED in XX/XX/XXXX. 

After XXXX updated theirs I filed with TransUnion and XXXX both on XX/XX/XXXX thinking it would be a breeze as I could show my payment history and proof that XXXX had updated it. No such luck, both companies came back and did not make any changes. So just going through the motions again by filing this with TransUnion and XXXX   and hopefully they too will have an actual human look at my documents instead of whatever is going on at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just checked my XXXX credit report & it is showing the Mortgage account owned by XXXX are 60 Days Payment late. This is not correct, and I am attaching my bank statement to show that the account was never " 60 days Late ''. This incorrect credit reporting is now hurting my score and went down XXXX points.
Product: Debt collection

Collected debt protection funds but refused to allow use of debt protection amount and atfalsely claimed return of money. Name on account is in correct. XXXX XXXX XXXX filed XX/XX/2022 thru consumer finance pr
Product: Credit card

To Whom it XXXX concern.. 

XXXX XXXX XXXX XXXXXXXX Account number : XXXX You are in Violation of furnishing my consumer reports to person/s that do not have any permissible purpose or any legitimate business reason to receive those reports which is a clear violation of my right to privacy. 

Under 15 U.S. Code 1681b - Permissible purposes you must receive written instructions from me to release my information to third parties such as ( Experian, XXXX and XXXX ). 

I request that you send me proof of the letters I have sent in writing to you XXXX XXXXXXXX XXXX XXXXXXXX authorizing my personal disclosure to third parties and authorizing the permissible purpose, it is my right as a consumer to receive written proof under the ( FCRA ) within 30 days of receipt of this letter as provided by law. 

If the company XXXX XXXXXXXX XXXX  XXXX can not provide proof of my written authorization for permissible purposes under 15 U.S. Code 1681b within 30 days, the account must be immediately removed from my credit report Experian, XXXX and XXXX. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumercan exercise that nondisclosure option. 


15 U.S.C 1681s-2 ( 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. 

Show me written evidence that XXXX XXXX XXXX XXXX complies with all the laws mentioned above, and that it complies with the standards imposed by the FCRA MENTIONED ABOVE