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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account XXXX XXXX, XXXX  Account # 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: Mortgage

We are the home sellers. The buyers are getting a VA loan through Orion Lending. VA inspector did the VA inspection on XXXX XX/XX/2019, closing was supposed to be on XXXX XXXX. Heard nothing from the lender so closing was delayed to XXXX XXXX. We were not informed of repairs necessary until XXXX XXXX. All repairs were completed by XXXX XXXX. Re-inspection was done and repairs approved on XXXX XXXX. Orion Lending didn't get the closing disclosure sent out until XXXX XXXX, then their systems went down for a day. Now documentation corrections are needed for the title company and closing was again delayed to XXXX XXXX. This entire process has been one delay and error after another. It is probably too late to get this incompetence fixed for our house sale, but this could serve as a warning to anyone else who wants a mortgage through Orion Lending.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

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.

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.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 
I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. I Was NEVER Late XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. I Was NEVER Late XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. I Was NEVER Late XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. I Was NEVER Late XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Mortgage

This property has been in and out of foreclosure since 2010. Because of this, the owners refuse to pay any of their HOA dues and/or maintain the property - citing that its the banks problem. They still live there and owe over $ XXXX. There are now holes in the side of the home and the property is a complete eyesore.
Product: Debt collection

i told discover card years ago that i couldnt pay their high payments anymore on social security. they pursued took me to court XXXX/XXXX/XXXXi called XXXX when i got court papers and they said just go alone as on ss with credit card dont have pay. so i replied to court with the fact i couldnt pay debt but court went against me and slapped public judgement on my credit report that just came up. i dont have funds pay {$4600.00}. been waiting out 3yr term from former foreclosure to buy house XX/XX/XXXX but this puts Big dent hindering that. how can you HELP?
Product: Credit reporting or other personal consumer reports

I have become a victim to identity theft. Under 18 U.S. Code 1028A - Aggravated identity theft and under 15 U.S. Code 6802 - obligations with respect to disclosures of personal information, the credit and/or Credit Reporting Agencies do not have permissible purpose with respect to 15 U.S.C 1681B are in violation of reporting my private and personal information with respect to the FCRA. Under 15 U.S.C 1681n civil lability for willful noncompliance {$1000.00} payment, that I am entitled to. I will be placing complaints with the CFPB, the Attorney General, and the XXXX major Consumer Reporting Agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the multiple late charges that appear on my credit report. Infractions were no fault of my own. These were all consequences as a result of the XXXX. I made every attempt to pay my debts on time, but the odds were against me. I always kept my accounts in good standing. If you view my payment history, you will discover that I was never late. As a result of the pandemic, My company where I was employed down sized. And as a result of that, my hours changed from full time to part time. This went on for almost a year. I had exhausted all of my savings just to survive. I was behind in my rent constantly. Almost lost my apartment twice. Fortunately, my landlord understood and was very lenient with me. He was struggling also with other tenants. I gave him what little I could spare, but that's all I could do. This was the worse predicament I've ever been in. This virus was affecting millions. I'm sure some of you felt the effects of it. If you didn't, you were just one of the lucky ones. I did not know what my next move would be. I literally prayed which is something I did not do a lot of before. Fortunately, after a year, I got my regular working schedule back. Now I'm just trying to put the pieces back together.I know I have a long way to go.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX and 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: Debt collection

I recieved a letter from a debt collector who works for XXXX to collet a debt of XXXX The colloctors phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection company refused to verify their authority to collect on a false debt created by ex employer, which has nothing to do with extension of credit or my credit report.
Product: Debt collection

... As like last year some XXXX XXXX sent a collection notice to collect {$50.00} for my Safety Deposit Box - and as I said in the litter last year - which XXXX XXXX employee ( no name on collection form ) is trying to XXXX the XXXX  year ole XXXX veteran out of a service that it was a gift from Chase because of my service - now the XXXX XXXX ( letter sender ) is threating to open my box and saying my payment is 303 days over due ... ... ... 
... ... ... .so was I lied to and deceived an now your threating to ruin my credit - if any collection or credit bureau has been notified I want all information retracted - real nice way to respect a XXXX veteran
Product: Credit reporting, credit repair services, or other personal consumer reports

After filing Indentity Theft with FTC as well as CFPB... I attempted to call Equifax at XXXX of there XXXX numbers XXXX. Asked for the Fraud Department and the woman who answered the phone, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), I asked to be connected to " fraud dept ''. The customer service rep would only give me the name XXXX XXXX XXXX  with no employee number.XXXX XXXX advised that she was the " fraud dept ''. I advised I filed FTC report and CFPB and I wanted to call, with sense of urgency, regarding " Inquiries '' being reported on XXXX XXXX  XXXX stated she would need my social security card and another form of identification and she would be sending me documents to fill out ( police report ). I advised my rights according to 15 USC 16811 ( 3 ) ( c ) ( II ) that sufficient information may consist of a standardized form describing general nature of situation ; 15 USC 1681H ( a ) ( 1 ) I am ONLY required by law to provide proof of identity.. my driver 's license would do. XXXX was also in violation requesting that I fill out additional paperwork and it would take up to 5 days.. Nothing in the law requires me to provide additional documents other than what I already submitted prior. This stall tactic is a blatant disregard to our FEDERAL LAWS. 

XXXX was being very disruptive and when I clearly was getting nowhere fast, I asked I could speak with her supervisor. She stated, Well.. that will be hard because there are several. " I asked to speak to the one who is working over her today ( Friday XX/XX/XXXX at XXXX XXXX XXXX ) and she said she could not allow that and I advised her I was going to start recording the actual call and I had to inform her ; however, in the state of Florida, there's a fine line and you can record pretty much any phone call without notice ) XXXX began to get agitated and staying " I better don't ( she actually said that ) record her that they don't allow that and that they were a government branch '' I cut her off and said " What? '' Are you actually impersonating a branch of the Federal Govt? Are you kidding me.. now I am going to record you! '' The phone went dead... I was disconnected.
Product: Credit reporting or other personal consumer reports

I had a lawsuit with XXXX regarding the ownership of my and XXXX timeshare. Our lawyer negotiated a settlement. The settlement was fulfilled. The debt was cancelled. It was not to be reported as a charge off, and it should never have been reported as late payments during litigation ; it should have been removed entirely from our credit. Experian is the only bureau that has refused to correct this. Documents have been sent to Experian with every dispute regarding this ongoing issue. XXXX needs to be removed from our credit entirely. It has been a nightmare for almost 3 years.
Product: Debt collection

Mid Michigan Credit bureau is reporting under XXXX credit bureaus accounts that they have not verified
Product: Mortgage

In 2018 my wife lost her job and her brother, who had helped when he could, enlisted in the XXXX at the same time. It was like losing more than half of our household income all at once. We scraped by for a while, but one month we just couldnt put together enough to pay everything. We fell behind on our mortgage, and with the late fees, it started to pile up. 
When we were finally all working again and got enough to be able to put together a month or two, our bank declined the payment. They wouldnt take our money or work with us.They said they wouldnt do anything until we paid the entire balance. There were fees that wouldnt be explained and when they said we could apply for help, it seemed like I would send our paperwork over and over, but it was always lost. We applied for help in XXXX, XXXX and XXXX of 2018 and were denied every time even after we showed the proof of income they requested. After doing this for months, they said the only option was to give them the house. 
We have stable employment again, but we just cant pay twelve months of mortgage payments at once. We have been in foreclosure since 2018 and just want to save our home but the bank refuses to work with us and we feel we have been unfairly denied. Weve talked to many different representatives at our bank, repeatedly, but it doesnt matter to them that our crisis was temporary. They refuse to listen, or help. 
Please help us save our home.
Product: Credit reporting or other personal consumer reports

MY ACCOUNT # XXXX Whats up Just wan na let you know Im disputin that debt you mentioned under the Fair Debt Collection Practices Act Aint askin for more proof or docs just lettin you know I dont agree If you need to reach me best way is by text on my cell or email on my cell or computer Monday to Friday between XXXX and XXXX XXXX  Time Any other times or methods like live calls or voicemails aint good for me Thanks for understanding Later
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name and number : Dept of educationXXXX / Acct # XXXX XXXX Amount : {$3600.00} / XXXX Amount : {$1600.00} / XXXX Amount : {$3100.00} / XXXX Amount : {$6600.00} XXXX. Date Opened : XX/XX/XXXX / XXXX. Date Opened : XX/XX/XXXX / XXXX. Date Opened : XX/XX/XXXX / XX/XX/XXXX Agency name and Account number : XXXX XXXX XXXX / Acct # XXXX Amount : {$120.00} Date Opened : XX/XX/XXXX Agency name and Account number XXXX XXXX XXXX Acct # XXXX Amount : {$390.00} Date Opened : XX/XX/XXXX In accordance with the Fair credit reporting acXXXX XXXX Account # XXXX, Account # XXXX, and Account # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

On XX/XX/XXXX I contacted chime bank about unauthorized charges to my account. I explained to them that my phone was stolen along with my wallet because my phone case is a wallet. I had 8 different transactions taken off my account through XXXX XXXX that I did not do. I filed a police report and I also filed a report with identity theft. org I sent them the police report # and the identity theft case # my license and other personal info was stolen also. Chime denied my claim in less then 24 hours stating no error occurred when it did. Im very upset that they didnt even try to help me. Whoever had my phone was able to see everything. I found my phone thrown on the side of the road. Im out of about XXXX bucks I have XXXX children and this is not fair at all. Im filing this complaint because chime doesnt protect their customers enough to even look into the case of unauthorized transactions and they didnt even try to help me. I want my money back this is terrible. I dont have that much money to just give away, that was my money for rent and bills. Im very upset. also the person who stole my phone, was inside of my chime account I added money to my card to get ready for rent not knowing they were able to get in my account and they withdrew money as I added it because it pops up on my phone, they just used XXXX  XXXX  to withdraw funds and also sent funds to themselves. Chime basically called me a liar and said I did it on purpose when I did not. I am now working with police to try and find out who this person is.
Product: Checking or savings account

Someone hacked into my account and used their pay feature to deposit into their own account chime has no idea how it happened
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet is showing that I have two late payments from 2014. My student loans have always been in deferment due to me being in school. I have contacted the loan company about these late payments. I informed them of me being enrolled at the time and explained that my loans should have still been in deferment. I was also in the process of getting my loans consolidated. These late payments are hurting my credit tremendously! I should not have any late payments. As I have stated i have always kept my loans in deferment.
Product: Credit reporting or other personal consumer reports

Hello. I work in the mortgage industry and it was brought to my attention that several of my state licenses are in jeopardy from a collection that showed up on my credit report recently. Were it not for this credit report, I would not have known about the existence of this debt at all. I haven't had any communication from XXXX about the debt and no collector has made any attempts to make it known to me I owe the debt either. I called XXXX via this number XXXX. This number actually forwards you to another company " IC systems ''. So XXXX is not willing to really speak about the debt directly. The account number on my credit report is XXXX. 

I spoke with IC systems via this automatic transfer I did not ask for. They explained that the debt was from XXXXXXXX XXXX XXXX and that two notifications were sent about the debt but not until XX/XX/XXXX and XX/XX/XXXX. I did not receive any communication from either company via mail or otherwise. When speaking to IC systems, they didn't really have an answer for how I owed the debt or what it specifically was for. They basically just kept pivoting to trying to collect a payment instead of providing evidence for the debt or showing how it came to be. According to them as of today the deb is {$800.00} plus an additional " collection fee '' of XXXX for a total of {$880.00} owed on the debt. 

I got the relevant information to place a complaint with the corresponding attorney general which appears to be NJ as IC systems is based there. IC systems declined to share the mailing address for themselves or XXXX and did not explain what to do if I didn't think its my debt. I also was never given any debt collection rights, including the right to get information about the original creditor within 30 days of getting validation information from the collector. 

Then today on XX/XX/XXXX as well, I called XXXXXXXX XXXX  general customer service line. They were unable to confirm I had any outstanding debt or balance with them at all. In fact the representative said " they can't see anything '' in relations to the account number XXXX. According to XXXX, the debt actually doesn't exist so I'm very skeptical of this IC systems company attempting to collect this made up debt. There is no proof of this debt, how it came to be or where it stems from.
Product: Mortgage

Shellpoint paid XXXX 1st half tax installment in XX/XX/XXXX I paid XXXX 2nd half tax installment in XX/XX/XXXX to allow this to count as an itemized deduction on my federal and state tax return I called Shellpoint mortgage customer service at XXXX Arizona time on XX/XX/XXXX and was told if I paid my tax bill I would have it included in escrow analysis scheduled for XX/XX/XXXX. The call was 6 minutes. 

I paid my XXXX 2nd half installment at XXXXXXXX XXXX Arizona time after getting the information above from the customer service rep at Shellpoint Per the email below, my escrow analysis date has changed to XX/XX/XXXX which means I would be out {$1500.00} for almost a year I had not received any information from Shellpoint even with corresponding with their General Counsel I just received a letter today XX/XX/XXXX that says Shellpoint is re-analyzing my escrow account. There is no commitment to when the escrow analysis will be completed other than the appropriate department will process the escrow analysis.
Product: Debt collection

The car I had before was stolen, I told the auto creditor to talk with the insurance and I have a gap insurance the taken care of the payment owned on the car. I dont know they resolved with insurance company and, they sued me for {$5000.00}. 


Im try to resolve the matter to negotiate the price where I can able to pay but the debt collector not allowing me to do so.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
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 Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, So I have looked into a car a while back ( XX/XX/2018 ). I was looking at a XXXX XXXX XXXX and The sales person ( which with seducing sales tactics tricked me ) ran my credit in 12 different places!! Just so I can buy the car the " best possible '' terms. I ended up not getting the car and I am now buying a car cash, finalizing its paperwork after 1 year ( saved up for it so I wouldn't use my credit ). The dealer was a XXXX in XXXX and the sales person name was XXXX XXXX - XXXX ( PLEASE DON'T POST NAME AND LOCATION ) The dealer manager even called me and asked forgives and how they could make this right. I didn't know the effects of it at the time. I understand that I was not told or in written explanation that my credit would run 16 times for inquiries to get best rates possible. Very unethical. Not looking from anything from the finance company, but only needing to get this out of my reports. 

I am now finding out about credit and learning about all my possibilities and the importance of it for the past few months. I was a great student in college and I have been doing well in business, even helping out my family. Now, I am not shopping for credit but do see the importance of improving it, so I am here requesting this to be out of my account.