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

According to the FCRA Act 15 usc 1681 Consumer rights to privacy during this time i was checking my consumer report from credit agencies TRANSUNION, EXPERIAN, EQUIFAX Theses company furnishing inaccurate information on my credit report. collections companies have my personal information when i never did any consumer business or consumer transaction please take a look into this matter. do to this information on my consumer report its stop me from getting a mortgage to buy a home for my family also stop me from cosigning for my son furthering his education for college. please remove these following collection companys also i would like a updated report with these companys removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These companies are violating my rights not licensed in PA to buy debt or my personal information
Product: Credit reporting or other personal consumer reports

I am writing to seek clarification and verification regarding the reported late payment associated with my TRUIST BANK account, XXXX which I have recently discovered on my credit report. I do not recall having a late payment for this account, and I kindly request your assistance in resolving this matter. 
I value my financial responsibilities and have maintained a strong commitment to ensuring that my accounts are managed diligently and payments are made promptly.
Product: Mortgage

I closed a loan with the Bank of America in XX/XX/XXXX to purchase a home in the City of XXXX, MD. The title, Deed, Deed of Trust, and Deed of Trust Note were notrecorded with XXXX XXXX by the title company, so the title is not in my name. I did not purchase title insurance for myself, but I bought title insurance for Bank of America, the lender, when I bought the house. The title company went bankrupt at least 5 years ago. 
Bank of America required an escrow on this loan, that is to pay taxes, insurance and the payment on the loan. 
The problem is that I rented this home to a family and they stopped paying two years ago. When I attempted to have them evicted, I found that I could not, because the title is not in my name, but in the name of the seller. 
I notified Bank of America that the title was not in my name in XX/XX/XXXX. Nothing happened. I sent Bank of America a QWR noting that they were taking my mortgage escrow payments and paying for a home that is not in my name. 

Bank of America should have known this since they were annually updating the taxes to be paid. They would ordinarily check to see if the home ( their security ) is in the borrower 's name. Apparently Bank of America did not. 
I contacted CFPB XX/XX/XXXX. This is Case number : XXXX. 
I believed that you closed this case or deferred it because Bank of America told you that it is in litigation with me over this matter. I am now not in any litigation over this matter. I wanted Bank of America to provide me some financial reduction in the loan because of the losses that I incurred due to not being able to earn any income on the property. I must pay {$1500.00} a month on the loan, but have no income. Bank of America refused. So I signed the document to replace the lost documents in order to record the home in my name. So I have no litigation with Bank of America concerning this loan. 

However, as of today, the home has still not been transferred under to my name. Bank of America is taking my money, and has no incentive to finish the process of placing the home in my name, so that I can manage the home. 

I am current with the mortgage note, because I do not want to have bad credit. Bank of America is taking financial advantage of me. They wo n't place the home in my name. The attorney that the title insurance company hired to represent Bank of American is acting slowly. Bank of America wo n't reduce the debt ( the value of the home is now {$100000.00} and the debt is {$210000.00}, the home is in a declining area ), and Bank of America wo n't even let me refinance under HARP to reduce the interest rate from 7.5 % -- because the home is not in my name. 
This can not be a publicly acceptable response by Bank of America on one of its mortgage loans.
Product: Payday loan, title loan, personal loan, or advance loan

I got a line of credit and didn't understand the extreme percentage rate. I can't afford it. I was paying XXXX a month for XXXX loan. I paid XXXX in XXXX  months along with all the other payments made before. I probably paid over XXXX to try to pay it off which i never will. I had to stop paying because I couldn't afford to live. I think I more than satisfied my debt to them.
Product: Debt collection

I have filed a dispute previously and received communication from the company, however, my initial concern, that I did NOT receive notification from company '' prior to this being placed was not discussed in their responds to my dispute. I have not received any calls or voice mails from this company and the letter that they provided never reached me, the address that is on the letter that they have attached to my previous dispute is not a valid address for me, I have also had my mail forwarded so had they placed a correct address, I would probably have received it and would have been able to deal with this accordingly. AGAIN, the address listed on the letter that the company provided on my last dispute, IS NOT a valid address, there is NO LOT number on it, therefor it must not have been placed into a mailbox or forwarded to me. Also I had disputed with the initial company When I vacated the premises concerning the owed rent. I have NOT received any information from them concerning ANY type of fees. How am I supposed to receive ANY information, if THEY have listed an incorrect address. Therefor, I am once again requesting that this be removed from my credit report and that if there is something truly owed, that I be provided with an itemized statement of what is owed so that I can review and either dispute charges or make payment arrangements if I feel that the charges are accurate. I am not trying to get out of my obligation if there is truly an obligation, however, I am requesting that this be removed from my credit as I have never received anything from either company due to their error in placing the correct address and that the process starts fresh with them sending me the itemized list of charges owed. 

I am attaching a copy of the letter that was provided to me with my last dispute that reflects that this is not a correct address.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX  is closed because mislead predator abuse advertising and recluir abuses mislead school misconduct lied all the time to go to the school and say that I will make more money and when I graduate I make the minimum salary
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being XXXX  and that I'm being XXXX of. It is precisely stated in Section XXXX ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX XXXX  XXXX Dear NATLCRSYS, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically Missouri Revised Statutes Chapter 570. 

It has unequivocally come to my attention that NATLCRSYS has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically Chapter 570 of the Missouri Revised Statutes, emphasizes the necessity of consumer consent for credit reporting and establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for NATLCRSYS to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that NATLCRSYS immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state law. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that NATLCRSYS will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX since then Ive been seeing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXXXXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX INQUIRY : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX FXXXX XXXX XXXX REPORTED BALANCE {$150.00} : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY : XX/XX/XXXXXXXX XXXX XXXX XXXX INQUIRY : XX/XX/XXXX XXXX XXXXNQUIRY : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX INQUIRY : XX/XX/XXXX XXXX XXXX INQUIRY : XX/XX/XXXX XXXX INQUIRY : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

I had a individucal, that i gave a check to to build me a brick mailbox. After getting the check he did not show back up. I called him several times, and he would say that he was coming back out but did not show up. After 2 weeks we cancelled the check. 4 days later the individual cashed the check with ACE check cashing company. The company continually calls my wife and wants us to pay for the cancelled check, because the individual wo n't return the money. Im now getting calls from XXXX from someone claming to be XXXX XXXX with XXXX, XXXX, and XXXX. Threaten to sue for a {$170.00} check cashed the individual with ACE Check Cashing in 2012.
Product: Debt collection

XXXX, XXXX M SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CREDMGMTCNTL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CREDMGMTCNTL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Last month, my monthly premium was late about 10 days. The representative name XXXX XXXX XXXX XXXX called me and vigorously threatened me that she would immediately repossess my vehicle if account wasn't brought current. She informed me that she was going to start repossession of my vehicle because I was 10 days late & that she had the right to do so. My vehicle is used as collateral for the loan. This company and its employees operates with a mob mentality, plenty of illegal threats and lies.
Product: Debt collection

I noticed an account on my credit file of which I was not aware of, I contacted EOS CCA to ask for debt validation 3 times and they have not responded. I contacted the BBB and EOS CCA said they would send debt validation within 10 days they have not done so to date. I reached out to the credit bureaus and they informed me the debt was verified, how is that possible when the company EOS CCA who is reporting the debt is not even the owner of the debt? Furthermore, the company claiming to be the current owner ( XXXX XXXX XXXX ) is pretending to be a lending institution, who is claiming I took out a loan or some type of credit with them, which I did not. Isn't it against the law for a collection to try to collect a debt that they can not prove they own or is assigned the debt by the original creditor? EOS CCA is not the owner of this debt, I have attached a bill EOS CCA sent listing XXXX XXXX as the current creditor and certified mail receipts which shows they received my request for debt validation. They listed XXXX XXXX company as the current creditor which is a lie because XXXX XXXX is not a lending institution. I have tried to contact XXXX XXXX XXXX and was unable to get an address or phone number. I have never done business with either of these company who are claiming that I owe them money. I do not owe these companies any money and I don't have any affiliations with them! They are collection companies operating under false pretense as creditors to scare or scam consumers into paying them.
Product: Credit reporting

I was forced to get go and get my Transunion credit report and their website is very very confusing and in the end I supposedly got signed up for something that costs {$17.00}. Once I saw this I logged into the TransUnion website and tried to find what it was and cancel. But I was unable to. So today I called them and I spoke to a sweet girl that I could barely hear or understand. She did acknowledge the charge and told me I had been signed up for a week trial of some sort that ended up with me getting charged XX/XX/XXXX/mo. 
I was able to tell her I did not want it and she canceled the service. But due to how hard it was to hear and understand her I was unable to get my money back. 
I really dont know what this was for and I would like my money back. All I have is what shows up on my checking account : XXXX XXXX, 2015 TU *TRANSUNION XXXX, CA , US - {$17.00} TransUnion does not allow for contact besides over the telephone and Id rather try to avoid that nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these inquiries on my credit report that I did not authorize I believe it to be fraudulent XXXX XXXX Inquiry from XX/XX/XXXX Equifax XXXX XXXX-XXXXand Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX
Product: Credit card

My Credit Report was run by unidentified credit card company I didnt request credit. Company called XXXXXXXX XXXX. I didnt ask or request credit from them.
Product: Debt collection

Extremely rude, poor people skills and tried to act like the authority. She told me my social security number over the phone and asked if it was mine, I asked if they reported to credit agencies and she kept telling me to answer her questions and ignoring my only question. Look the up on XXXX and look at the reviews.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax experienced a prolonged hack, which led to all of my personally identifiable information being released alongside hundreds of millions of other Americans '. As a young professional, this weighs heavily on the rest of my life, leading me to requiring constant vigilance as a result of being a victim of this crime, without any possible steps being taken to prevent it. 

The information in their database was not secured in any proper way, leaving me, alongside millions of other Americans including my close friends and family, at risk of financial ruin at any time. This information could destroy the credit my family and I have worked to build since our arrival in the United States ; it could lead to tax fraud and leave us without our deserved tax returns ; and it could lead to crippling debt we may never recover from. 

I, along with my fellow citizens, could not have taken any steps to prevent this from occurring ; the information compiled by Equifax was gathered without my consent ever being prompted. While this is the purpose of credit checking companies, the fact that the information they gathered is valuable enough to act as almost absolute proof of my identity is unforgivable, given their lax security.
Product: Debt collection

Company called from familiar area code four times in three days. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called them back today. They said they were a company named XXXX and were attempting to stop a civil suit from taking place for my mom, who does not live with me and has never lived at this address. If she did not call them back today, they would be forced to take civil action. I took their XXXX number and passed it on to my mom. I got another call two hours later. Again no message was left. So I called the number on the caller ID, ( XXXX ) XXXX, and got a message saying they were a company named XXXX XXXX and not available. I am not my mother. I have done nothing to deserve this harassment, and after some XXXX of this company, I 'm not sure my mom has either.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX SSN : XXXX I am inquiring to understand the Description or Method of verification you have used to complete your reinvestigation as I am in disagreement with the Completeness and Accuracy of the account ( XXXX XXXX XXXX XXXX Acct # XXXX ) on my credit report. 

You have a duty to provide me with this description of your reinvestigation within 15 days of receiving this letter. If you can not provide this to me then I demand these accounts are removed immediately or I will have to take legal action. 

The following account below I need the method of verification for XXXX XXXX  XXXX XXXX Account Number : XXXX You failed to mark this account as disputed. This shows that you completely ignored my disputes and this also shows that you did not follow the proper procedures when sending all relevant information to the furnisher along with failing the duties and responsibilities you have as a credit reporting agency to maintain maximum possible accuracy. You can be held responsible since this account is still reporting inaccurate and incomplete information. 

Delete this account from my credit report. 

Please provide me with the following : Proof that you sent the notice of the dispute to every furnish or in question within 5 business days upon arrival. 
Proof that you provided all relevant information to the furnishers to help them conduct a reasonable investigation. I am concerned you did not and this is why this item has not been deleted. You are required by law to consider " all '' relevant information when receiving a dispute. 
What does your automated reinvestigation system exactly determine for these reinvestigation results if these accounts are still inaccurate and incomplete? 
Please Provide the business name and address along with the phone number of every furnisher that you sent relevant information too. 
This is to be completed and sent back to me within 15 days of you receiving this request or else you are violating federal law. 
Please send me this description to the mailing address listed above. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX