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

After receiving a copy of my credit report, I have found certain information that should be excluded outlined in 15 U.S. Code 1681a ( 2 ) ( A ), ( B ) and ( C ). I believe that any information about a transaction or experience with companies, can not be include on a consumer report and must be removed. 

XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX XXXX XXXXXXXX XXXX account # XXXX XXXXXXXX XXXX XXXX account # XXXX Under the Gramm-Leach Bliley Act, the consumer must be given the chance to direct whether they want the information about a particular transaction to be reported or not. This is referenced in 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ). Furnishing any information on my credit profile without my permission, constitutes as identity theft and is a violation of 15 U.S. Code 1681b ( a ) ( 2 ) and 15 U.S. Code 1681b ( a ) 3 ( f ) ( i ). Also not maintaining a joint notification system amongst all consumer reporting agencies is also in violation of 15 U.S. Code 1681b ( e ) ( 6 ). 

Failure to respond satisfactorily with the removal of the above referenced accounts, and sending out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for willful noncompliance which I will be seeking {$1000.00} per violation for : Defamation of Character, Negligent Enablement of Identity Fraud, Fair Debt Collections Practices Act 15 USC 1692g violations. Reminder under 15 U.S. Code 1681o you must comply with my instructions within 5 days. Additionally, continuing to show the information on the consumer report is a direct violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ) of FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of id thief due to XXXX XXXX data breach, since then I have noticed multiple accounts pop up on my credit report that I did not authorize. I have submitted my ftc report to the credit bureaus multiple times. XXXX   XXXX  XXXX  also has a copy of this ftc report however it being reported negatively on my credit report and I would like this inaccurate information removed from my report stat
Product: Credit card

XXXX I was a victim of idenity theift. XXXX XXXX stole my credit card and identity and racked up XXXX XXXX  charges on my credit card. I reported the theift charges on my card right away and put a fraud alert on my credit card and more fraud was performed on the credit card after changing the credit card number.
Product: Mortgage

This complaint is regarding my mortgage company, Shellpoint Mortgage Servicing, and their continued attempts to fraudulently bill me for their error. 

On XX/XX/year>, Shellpoint sent me a letter admitting that they made an error and my account was " inadvertently identified as escrowed, '' and that a refund of {$4300.00} would be applied to my account as of XX/XX/year>. That letter is attached here. 

Their response is misleading and untrue, as they have sent me an " Annual Escrow Account Disclosure Statement '' in the mail ( attached ), dated XX/XX/year>, the same date they claimed the refund was applied. In this statement, they have now decided to take the {$4300.00} amount they claim to have refunded, divide it into 60 months which comes to {$73.00} per month, and add that onto my monthly mortgage. They have effectively raised my mortgage by {$73.00} starting XX/XX/year>, and are attempting to force me to pay them that amount. 

Their alleged refund is untrue, as they have just shifted the balance into my monthly payment.
Product: Debt collection

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 USC 1681., SANTANDER CONSUMER USA XXXX XXXX, XXXX XXXX XXXX # 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 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. As a result of this the original creditor SANTANDER CONSUMER USA sold my debt to XXXX XXXX XXXX. Now I'm getting sued for a debt that was charged off. SANTANDER CONSUMER USA won't send me the charge off letter to dispute the claim.
Product: Credit reporting or other personal consumer reports

I was shopping for a vehicle at a dealership and gave them verbal and written permission to send me to XXXX lenders. They ended up sending me to XXXX lenders. They did by request submit a letter to give to the lenders that they didn't have permission and my information was sent by mistake. The problem is that the credit bureaus won't use that because it was identity theft and it's impossible to get a hold of anyone at the lending institutions to have those inquiries removed from XX/XX/year> from the following XXXX-pulled my bureau 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 They should all have a number to reach someone but no one ever knows what to do. Trying to buy a house as well and this is going to hurt me
Product: Mortgage

On XX/XX/2022 I reached out to Pen-fed Credit Union to refinance my VA home loan for a cheaper interest rate and also a 15 year mortgage. I spoke with XXXX XXXX in regards to refinancing my VA loan and he explained what the minimum credit score and debt to income ration was.

At this time I checked my credit score and I meet the requirements of the bank and the the VA requirements to refinance my mortgage. The next day I lifted my credit freeze and gave XXXX permission to review my credit for a refinance. 

When I called him back he said oh your 2 credit scores are ok but one of them you are off by a few points. I personally feel that he lied to me because I had checked my credit the same day and I meet the qualifications to refinance my VA loan.In fact the VA only requires a XXXX credit score and I was we'll above that., I personally feel that Pen-Fed loan VA loan originator discriminated against me. He never sent me a letter in the mail showing my credit score and nor did he send me a letter stating the reason in which my refinance was denied. 

I personally feel that above mention gentleman alone with Pen Fed Federal credit Union Violated the Federal Housing Act.

1. Discrimination in my getting a mortgage, seeking housing assistance, or engaging in other housing-related activities.

2. Discrimination against a 100 % XXXX military Veteran 3. Lied about my credit score 4. Failed to send me a letter in writing explaining why I was denied refinancing my VA loan 5. Unfair and unprofessional housing refinance practices I personal ; ly felt that XXXX XXXX was being untruthful to me on the phone, he was speaking to me as though I was a stupid moronic person or a child. 

Address of the loan officer that works for PEN FED as a 3rd party XXXX XXXX XXXX XXXX Mortgage Loan Officer XXXX XXXX XXXX Ph : XXXX Extension XXXX XXXX TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

PNC Bank is charging us {$3000.00} to open an escrow account to put the {$100000.00} we borrowed from PNC through the PPP loan program. The reason for the escrow account, were in the process of selling XXXX XXXX XXXX. On the SBA website it states that lending institutions are not allowed to charge fees associated with PPP loans, but Corporate PNC executives were emphatic that they will not establish an account without payment. I feel that the fee is illegal according to the SBA rules, and predatory. Im XXXX and Ive never been charged to open an account with any lending institution before. Deposit money to open an account, yes, but never a {$3000.00} fee to basically move money from one account to another! If I dont open the escrow account and sell XXXX XXXX, I could be in default of the loan. I feel PNC has me over a barrel and I have no good option. There should be no fee per the SBA. When I called the SBA, they said they have no control over what the banks do.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3500.00} Charged off XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$4800.00} Charged off XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} Charged off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5400.00} Charged off XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6800.00} Charged off XXXX XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX Balance Owed : {$1700.00} Collection XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX XXXX Owed : {$2900.00} Collection XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$3700.00} Collection XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Owed : {$1200.00} Collection XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance XXXX : {$790.00} Collection XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$620.00} Collection XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$650.00} Collection XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX. ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1800.00} Collection XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00} Collection XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$720.00} Collection XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$970.00} Collection XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5300.00} Collection Inquiry in Dispute XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am sending to dispute the following information and inquiries on my credit report. The details in question result from fraudulent activity and were not authorized by me. 

XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/year>XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Validate Account XXXX  Account Number : XXXX Please remove it from my credit report. 

Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Validate/inaccurate reported late payments. 
XXXX XXXX Account Number : XXXX Please remove inaccurate reported late payments and update to pay as agreed. My payment status on all 3 bureaus are totally different. Everybody should have the same thing reporting. I was never late on this account. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accuracy. Please update to pay as agreed. 
Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Mortgage

I am being overcharged ( Corparate Advance Fees ), Home Preservation Fees. My home is being evaluated up to XXXX times this year alone, and I am being charged those fees. Is this really necessary? When getting an appraisal, I know that XXXX is enough. Please help. Could I at least have proofs?
Product: Credit card

I applied for a Citi XXXX + Rewards card and received a bill on XXXX XXXX 2016 but had not received the credit card. I called customer service where they kept asking me for my card number and I explained I did n't know it because I never received the card. The told me I would have to be verified and to send my drivers license, social security and a utility bill to fax number XXXX and they would know what to do and it would take 72 hours. 
I called back on XX/XX/XXXX and spoke to XXXX who informed me no one had even reviewed my documents call back, I also had to send a different utility bill which I did immediately. I called back on XX/XX/XXXX and spoke to XXXX and still my documents were not reviewed! I gave them a little more time and called back on XX/XX/XXXX and spoke to XXXX who lied to me and said they had n't even received my documents which I had been told they had. She would n't let me speak with a supervisor and I asked for corporates number and she gave me a bogus number. I called back immediately and spoke to XXXX who got me a supervisor to speak with named XXXX, at this point I am so FRUSTRATED, he was of no help except to say he would counsel XXXX. 
On XXXX XXXX I called back and spoke to XXXX and then XXXX a supervisor who told me he was typing in an IM and I would be verified that day, half the day went by and no call. I called back and spoke to XXXX, XXXX and then XXXX, XXXX was a supervisor in Fraud and extremely rude and I WAS NOT VERIFIED. 
I got tired of calling ( although there are MANY others I spoke with ) and now they are calling me because I got my lawyer involved, everyday they are saying something new, your license was n't dark enough so send another fax, the utility company would n't speak to us without you on the line ( I got them a letter ), I took care of every issue but they waited and waited to tell me things. I told them all my personal information had to be shredded when they were done with it. 
I must have talked with XXXX plus representatives and supervisors all of which harassed me like I have never known! 
XXXX was one of the last supervisors in Fraud I spoke to that told me after I spoke to XXXX-XXXX people in the same day that said I was verified finally after two+ weeks they would send an email confirmation with a XXXX balance that they " do n't do that ''! I got into a heated argument with her, she was off the chart rude and out of line, so I wrote a letter to my lawyer and faxed Citi a copy and low and behold the next day I got an email confirmation. BUT in it they state I will be responsible for any charges???? How is this possible if I NEVER received the card as I told them? I wrote to their ethics committee and their corporate office, have n't heard back from either? 
This company is bogus and handles client issues in a very strange and unethical way. I fear for my identity being stolen at this point.
Product: Checking or savings account

I had opened an XXXX savings account in XXXX of XXXX. Capital One bought them and for a time, maintained the promised high interest rates, based on the XXXX  rates. In XXXX of XXXX, I saw that my 360 Savings rate was only 0.3 % when the XXXX  rates were much higher. I was livid that Capital One did not notify me that they had swapped to a different type of savings account and did not grandfather me into that one. I kept thinking my rate would continue to follow the trends. Heck, I found a statement from XXXX where Capital One happily told me how much interest I'd earned since XXXX. 

When XXXX 's marketing touted my amazing rates, I expected a similar marketing messages to tell me about changes. 

I don't expect handholding, but I do expect notification of a stagnant rate.
Product: Debt collection

On XX/XX/2022 I entered into an XXXX employment contract with XXXX XXXX XXXX XXXX XXXX be a mortgage advisor. My official start date was XX/XX/2022. I was paid a sign on bonus of $ XXXX and then was paid $ XXXX for the next 5 months ( approx. $ XXXX ). Any income above this amount I would receive additionally. I was hired on to XXXX XXXX with a former co worker who would serve as my manager as were a team of us that would cover the state of Mississippi and the other states we chose to be licensed in, for me I was licensed in MS , TN and AR. 
The mortgage business had begun to slow during this time as mortgage rates had started to increase and inventory was at all time lows. The team that I was hired on with beginning with the processors were let go by XXXX XXXX so they could cut back on the salaries employees. My manager resigned as did all of the other loan consultants in my immediate group because of the poor management and lack of compliance from XXXX XXXX. I was the only employee hired with this Mississippi group that was remaining and after 17mths I resigned my post. XXXX XXXX was required to have an office per NMLS rules 125 miles from where I conduct business, there were times they had me tied to the an office in XXXX and XXXX, XXXX which was not even close to where I work as I have worked out of my home in XXXX, XXXX XXXX starting with XXXX XXXX. I resigned out of fear of losing my license to originate mortgage loans due to compliance issues with XXXX XXXX and the constant change in processing and management. 
XXXX XXXX had been emailing me collection letters for me to pay back $ XXXX to which I obviously can not pay and at this point they have put a collection of $ XXXX on my credit report which has damaged my perfect credit rating as I have always paid my bills on time. To sum up my complaint, I worked hard for a company for XXXX trying to make ends meet in a tough work environment. I do not believe they lived up to the company they had told me they were and after falling a month short of completing my obligation for the 18mths, I know owe them $ XXXX and they have ruined my credit. 
Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Joined the financial program to settled for payments of all the credit cards 5 yrs ago and completed all the settlements by paying them little by little. I thought its all done and settled until one of my credit card claims I still owe them causing that particular credit card ding my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S.
Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Product: Credit reporting or other personal consumer reports

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