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

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX
Product: Student loan

Employment verification forms were submitted in XX/XX/XXXX and was told it would take 90 days to process. These forms were improperly flagged as duplicate forms and not processed towards the end of the 90 days in XX/XX/XXXX. I called MOHELA to correct them and they put it back in processing but was told it would be another 90 days to process that form despite this being an error entirely on their part. I would like proper processing of my employment verification form and for my payment counts to reflect that the time period from XX/XX/XXXX to XX/XX/XXXX where I was in forbearance under a qualified employer- as promised under the limited waiver.
Product: Credit reporting or other personal consumer reports

I am writing to follow up regarding the ongoing issue with my credit report. Despite my multiple attempts, I have been unsuccessful in correcting an inaccurately reported late open account on my credit file, which is adversely affecting my financial standing. 
I have repeatedly contacted your organization to dispute the inclusion of a late open account on my credit report, which is not a true representation of my financial history. 
The presence of this account has led to a reduction in my credit score, causing difficulties in obtaining loans, securing favorable interest rates, and achieving my financial goals. I have attached the following supporting documentation for your review : Copies of all previous correspondence and dispute letters submitted to your bureau. Evidence demonstrating the inaccuracies on my credit report, including any relevant documentation or statements refuting the late open account. Proof of my timely payments and other financial history, which should accurately portray my creditworthiness. Despite my consistent efforts to address this issue, the late open account remains on my credit report, causing me ongoing financial stress and setbacks. I am concerned that these inaccuracies may further impact my ability to secure housing, employment, or access to credit services. I request an immediate and thorough investigation into this matter. With this, I am asking for your help to correct the accounts : XXXXXXXX XXXX XXXX  Balance : {$270.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$730.00}.
Product: Mortgage

County taxes were taken from escrow account with TheMoneySource by XXXX on XXXX/XXXX/2015 ( about {$4100.00} ). Refinance completed with XXXX XXXX/XXXX/2015, and taxes were instead paid by the title co ( XXXX ) on XXXX/XXXX/2015. County tax office confirms that any attempt by XXXX to pay after date would have been rejected and taxes were not paid twice. XXXX has refused to acknowledge that a refund is due, ignored numerous calls and even demand letter to locate these monies, and insists it will take months to figure out what has happened and effect the refund. Obviously we are into the third month already. XXXX 's helplessness and puzzlement is incredulous. With a few keystrokes they can most likely locate and immediately effect a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are showing id theft information related to cfb ftc cases and need to be removed today due to failure to provide proof of account ownership
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under XXXX XXXX XXXX and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/XXXX there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or 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: Student loan

I have private & federal student loans that were originally taken out through XXXX XXXX between XXXX. In XXXX my co-signer ( completely independent of myself ) filed for bankruptcy. The day my co-signer filed for bankruptcy, Sallie Mae locked me out of all of my student loan information. Over the course of almost 6 years, from XXXX Sallie Mae called and harassed me to make payments on my loans. When I tried making a payment, they would not allow me to telling me 'I was in bankruptcy and they could not discuss anything with me '. Years of threatening phone calls, charging me fees, interest compounding my debt and they would not let me view my accounts online, talk with me over the phone or send complete information as to any of my account statuses. In XXXX my co-signers bankruptcy was released. Months of back and forth on the phone, with what is now Navient, I had to fight to gain access to my own personal financial information. There was quite some time that Navient was 'unable ' to look up my information and when given my account number, they provided me with someone else 's information. Upon review of my accounts after years of being prohibited from viewing, accessing, or servicing my loans the increase in balance was absurd. Navient has been unable to provide me with any reasoning as to why they banned me from my accounts, forbade me to may payments or service my accounts, unable to provide a complete breakdown of the accounts and fees, or proof that they own the debt. My co-signer was not on all of my loans, and their bankruptcy had absolutely nothing to do with me.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX  is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " XXXX XXXX XXXX  '' the financial institution and the Consumer reporting agencies, XXXX and Experian, do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, and XXXX XXXX XXXX  whether it be verbal, non-verbal, written, implied or otherwise, is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX  never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' XXXXvery consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

I have told this particular debt collector I would contact them as soon as I was financially stable to start making payments, to which they told me to ask family and friends for the money which is absurd. I get atleas t 3 c alls a day some after  XXXX . I got called in to work on my day off to be told I was being let go for the call they made to me while I was not at work. Its emergency call ins only and they tied up the phone. So now I am unemployed and the entire office knows I 'm in debt with bogus student loans from a fake school.. XXXX  College.
Product: Debt collection

The alleged debt is not in my name Ill send my id rn to prove it they got the wrong person.
Product: Debt collection

By 15 us code1692c if a consumer notifies a debt collector wishes the debt collector to cease further communication with the consumer the debt collector shall communicate further with the consumer with respect to such dept except the company is call diversified adjustments for XXXX dollars the account number is XXXX and I have another collection call XXXX XXXX XXXX  for XXXX dollars the account number is XXXX. And I have another for XXXX XXXX XXXX for XXXX dollars the account number is XXXX and another from from XXXXXXXX XXXX for XXXX dollars the account number is XXXX and final one from div adjuster for XXXX dollars the account number is XXXX
Product: Mortgage

Ocwen Loan Servicing is the second worst company in the world, second only to Litton Loan which there are undoubtedly the sister company. At any rate, they are denying a payoff statement of my loan after their bylaws clearly state they have 48 hours to comply and all of the paperwork was submitted for processing on XX/XX/XXXX and after several calls to their representatives today -- they repeatedly apologize and say they require 6 more business days. This is NOT PROFESSIONAL behavior and is UNACCEPTABLE!!! Please monitor and properly handle stopping this behavior from this company.
Product: Checking or savings account

Bank of America closed my checking account in XXXX 2019, due to 'suspected fraud activity '. It happened after the check I deposited was returned by XXXX. Bank of America also sent negative reports to reporting agencies and charged me {$24.00} returned check fee. However, all this was caused by XXXX mistakes as they did not activate the check feature and I have already complaint to XXXX about that. This is not a fraud. I did nothing wrong and this is not fair to me.
Product: Debt collection

In XX/XX/XXXX, i asked XXXX XXXX XXXX to validate a debt they claim I owe to XXXX XXXX. What they sent was a copy of a lease and a bill for a little over {$3000.00}. In XX/XX/XXXX, I sent a dispute through my credit bureaus regarding this debt with a copy of my drivers license and social security card to prove that the information did not match what the collection agency had on file. The credit bureau simply updated my accurate information with the collection agency and allowed the item to remain on my report for collection. This collection agency is also not authorized to collect in Georgia which is my state of residence.
Product: Credit reporting or other personal consumer reports

After being released from the XXXX XXXX XXXX XXXX, having been in their custody from XX/XX/XXXX to XX/XX/XXXX, I reviewed my credit reports and found an unauthorized credit inquiry made by the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX and XX/XX/XXXX Trans union is reporting inquiries from companies I never tried to receive credit from and I do not recognize. 
XX/XX/XXXX : XXXX? XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX  I have contacted the companies and they have no records of me applying for credit nor do they have any accounts open in my name. They directed me to contact Transunion. I have called and wrote and they still haven't removed these fraudulent inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

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 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 card

American express has a promotion where you can get XXXX XXXX back from a booking, up to XXXX XXXX This booking needs to be made at a AMEX XXXX site, and has to be paid fully up front ( not at the hotel when checking in ). I had a trip to California, and had to stay at a hotel for 10 days, and I used this promotion. I went to the AMEX XXXXXXXX site, and I purchased the stay which totaled more than {$1000.00}. When I did not see the promotional offer, the rep I spoke to recommended I wait. If he had told me then that it was done incorrectly, I could have cancelled the booking. 
After staying in the hotel I noticed I still did not recieve the award. I inquired about this to AMEX XXXX, and they responded saying it was not made at the AMEX XXXX site. 
However, I have obtained this promotion in a previous hotel stay and I was well aware of the requirements. Therefore, I made sure it was the accurate site. 
AMEX XXXX then refused to appeal the decision. After some back and forth, they agreed to let me upload my browser history, which shows me booking at the correct AMEX XXXX site. 
After several days passed, I inquired about the case and it seems AMEX had no history of it, and i had to re upload the same document again. 

I am asking the CFPB to look into this, since AMEX is not complying with the terms of their advertisment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was once more a victim of identity theft, so I'm submitting this complaint to ask the credit bureaus to delete the disputed erroneous information that's being recorded on my credit file. I've been writing letters to the credit bureaus on a regular basis, and the letter I sent on XX/XX/2022 was already my third formal request to have material in my credit file that was obtained through identity theft removed. The Credit Bureaus must remove any items as per FCRA 605B ( 15 U.S.C. 1681c-2 ), no later than 4 business days following XX/XX/2022. This report was previously mentioned in one of my complaints, and I'm including it again. Additionally, I have my questions about the accuracy of the information that some agencies provided on some accounts because they were REMOVED from other bureaus and were UNKNOWN to me. The following things need to be taken away : 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 XXXXXXXX Balance Owed : {$0.00}. This complaint is a warning to the credit bureaus that I will file a lawsuit if they do not REMOVE the specified items from my report. My lawyer has been told of my plans, and they are eager to hold the Credit Bureaus liable for their blatant disregard for the law.
Product: Debt collection

I have not done any business with these debt collectors, nor do I have any associations with them.
Product: Debt collection

XXXX, XXXX and Complaint against Caliber Home Loan , Inc On XX/XX/XXXX Caliber Home Loans TEAM responded to my complaint and said that Servicing of my loan was transferred from XXXX XXXX effective XX/XX/XXXX ; and the servicing from Caliber was transferred to XXXX loan Servicing effective XX/XX/XXXX. 
Please provide me the name and direct contact information for an individual employee who prepared and filed with CFPB this respond on XX/XX/XXXX on behalf of Caliber.

Please provide me the name of the Company who transferred servicing of my loan from XXXXXXXX to Caliber on XX/XX/XXXX and its mailing address ; and the name and direct contact information of this Companys responsible employee who authorized this transfer, Please provide me the name of the Company who transferred servicing of my loan from Caliber to XXXX on XX/XX/XXXX and its mailing address ; and the name and the name and direct contact information of this Companys responsible employee who authorized this transfer
Product: Mortgage

I am lodging a complaint with PHH Mortgage regarding a situation with my local housing department in XXXX. They sent a delinquent mortgage payment of {$2800.00} on XX/XX/2024, covering both XXXX and XX/XX/2024. After facing hardship and a denied modification from PHH Mortgage, I sold my home to XXXX XXXX XXXX XXXX. Despite numerous calls to PHH Mortgage, I learned on XX/XX/2024, that they received the housing department 's check. I was assured it would be applied before the payoff amount. However, more than a month later, the {$2800.00} has not been credited to my account, potentially leading to an overpayment. The lack of coherent responses from PHH staff is concerning, with conflicting information about the status of the check. Suspicions arise that PHH may have mishandled the payment. I demand clarity and a refund of any overpayment promptly. Failure to address this could result in legal action with an attorney, as PHH has not provided satisfactory explanations regarding the check.
Product: Checking or savings account

I opened a checking account with Citibank Bank about 4/5 months ago : Card # XXXX XXXX XXXX XXXX. The account was suddenly closed for reasons, that I am still not sure exactly why. At first, they said it was for an invalid check that I deposited. But when I provided proof that the check in question was a certified check that was issued to me by XXXX XXXX, they recoiled and said it was an error on their part. Nevertheless, the account remained closed and the XXXX XXXX XXXX amount I had into the account is still into their possession 3 months past the closure of the account. About a month ago, they released a portion of that amount {$3200.00} and at this hour they still have {$2700.00}, which they have not yet released. I have called them countless time, only to be told that they have sent emails to their " Back office '' and that they are still waiting for a response. 

It has been 3 months since my account was closed for some bogus reasons and Citibank have not yet released the funds I had into this account. I have exhausted all talks with them and I am now seeking help from a higher concerned instance in order to have my funds released. My funds were sent to " Risk Deposit '' Account, and after talking to them numerous times, I conclude that, this department operates like a fraud scheme department, attempting to steel your hard earned money by claiming that your own money is not yours and that it belongs to them. They are very sleazy, and sneaky.