23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received the " updated documents '' pertaining to my loan that BSI states are correct.

1. The Partial claim mortgage that I was told to sign and if I did not that my house would go into foreclosure do not match what they are claiming that they have updated.

2. The amount on the partial claim is {$28000.00}, and the amount on the mortgage statement shoes {$30000.00} a difference of {$2000.00} 3. I made payments of a total of {$4200.00} which do not show applied 4. I simply need what I was promised resolved back to November of 2021. 
I was promised a 3 % interest rate and my payments would be XXXX XXXX. When I have made attempts to call or email no one responds at this company. 
Please Advise XXXX XXXX
Product: Debt collection

This company has repeatedly called my elderly former in-laws regarding my account. They have told them repeatedly to stop calling, and continue to call them. My ex-wife is constantly receiving calls from them complaining. The company has been told they have no contact with me any longer, and continue to harass them. They have discussed the account with them, disclosing the amounts owed. this is completely illegal.
Product: Credit reporting or other personal consumer reports

Transunion is reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and i was never given opportunity to opt. Also according to, 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( e ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. 313.8 Revised privacy notices. ( a ) General rule. Except as otherwise authorized in this part, you must not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party other than as described in the initial notice that you provided to that consumer under XXXX13.4, unless : ( 1 ) You have provided to the consumer a clear and conspicuous revised notice that accurately describes your policies and practices ; ( 2 ) You have provided to the consumer a new opt out notice ; ( 3 ) You have given the consumer a reasonable opportunity, before you disclose the information to the nonaffiliated third party, to opt out of the disclosure; and ( 4 ) the consumer does not opt out. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items are inaccurate that needs to be removed : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XX/XX/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
Product: Payday loan, title loan, personal loan, or advance loan

Signed up for this loan with their misleading policies for payment and even though I have paid almost the same amount as the loan I still owe the same amount as when I took the loan of about {$1500.00}.
Product: Credit reporting

I had a student loan with XXXX. The loan was placed for collection with XXXX XXXX XXXX where it was paid in full. I have attached a copy of my credit report from XXXX showing a " paid charge off '' with XXXX..and a " paid coll '' with XXXX. 

This week when my report was pulled the XXXX now shows the balance again and " charged off '' on the account. This is a violation of my rights under the Fair Credit Reporting Act Sect. 623 ( a ) ( 1 ) ( A ) reporting information that they know to be incorrect. The bureaus have allowed a paid charge off to be changed to a charge off and a paid balance to be reinserted when they know it to be otherwise.
Product: Student loan

Greetings, On XX/XX/XXXX, I took out a federal direct XXXX loan to attend XXXXXXXX XXXX XXXX XXXX my XXXX year. The loan was taken through XXXX XXXX XXXX. I completed my XXXX year and joined the XXXX in XX/XX/XXXX. As of XX/XX/XXXX, I owed {$3200.00} on this loan through XXXX XXXX ( I have pictures of billing statements to reflect this ). In XXXX of XXXX, I XXXX to XXXX. Because I did not have any living expenses, I took the majority of my pay over the course of my first several months of XXXX to pay this off. I made my final payment to pay off the entire balance on XX/XX/XXXX to the amount of {$610.00} ( I have screenshots to reflect this ). 

I was XXXX from the XXXX in XXXX of XXXX and received no correspondence from XXXX XXXX because my loan repayment was satisfied. I began using my post XX/XX/XXXX GI Bill at XXXXXXXX XXXX  and graduated in XX/XX/XXXX with benefits remaining and XXXX educational related debt. 

On XX/XX/XXXX I received an email saying my student loans were transferred to XXXX. I figured this was fraudulent because I was using my GI Bill and my student loan from XXXX was paid in full. After several months of receiving mail from XXXX regarding a student loan, I ran an official credit report from XXXX XXXX XXXX XXXX and saw a {$2700.00} outstanding student loan through XXXX as of XX/XX/XXXX. I attempted to contact XXXX to figure out how this outstanding loan was possible given the circumstances I explained above. After an hour of waiting on hold, I was informed that my student loan was transferred AGAIN to a company called EdFinancial services. When I spoke to an EdFinancial representative via phone call, I was told that my loan was taken out through XXXX XXXX I asked them to send me the promissory note as proof of this loan 's existence. I just received the promissory note ( over a month later ) stating that the loan is from XX/XX/XXXX for XXXX XXXX  ( not XXXX ). I attempted to login to XXXX XXXX XXXX to obtain records for my proof of payment, but the website directs me to XXXX. I am extremely frustrated and at a loss as to how this mistake occurred in the first place, and especially the difficulty in obtaining any useful information through the three different companies. At this moment, it seems impossible to speak to any person with the authority and access to information that can remedy this mistake. 

I apologize for the length of this explanation, I thought it was necessary to fully explain. 
Thank you for taking the time to read this.
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 XXXXXXXX XXXX  # has violated my rights.

15 U.S.C 1681 section 602 A. I have the right to privacy.

15 U.S.C 1681 section 604 A. 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 agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I signed up for account activity text & email alerts on XXXX  at XXXX. I still have not received any account alerts. I spoke on the phone with a representative who said they escalated the problem to the XXXX department, but my account is still not working properly and I never received any further correspondence about the issue. It seems no one at Synchrony can understand the problem, much less do anything about it. Very frustrating.
Product: Debt collection

I went to check my credit score on XXXX XXXX ( as I do several times a month ), and I noticed a significant dip in my credit score from one of the reporting agencies ( nearly XXXX points ). After digging through my reported items, I noticed my score dropped because of a newly reported collection account from Midwest Recovery Systems. The account stated that I owed {$690.00} and that the account was opened XXXX XXXX 2016. The collection account was reported to the credit reporting agencies on XXXX XXXX, 2016. I never received a written statement saying a debt was owed, and I have n't received any phone calls from this collection agency. Also, I have no record of any debt owed to the company listed as the original creditor XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. If account status is inaccurate and payment history is inaccurate.

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 instruction.

The Credit bureaus did not take my request for the re-investigation seriously for the 2nd time. 
There our a total of One hundred twenty three ( 123 ) violations.

They have continued to violate my rights every and time.
Product: Debt collection

Someone claiming to be a lawyer contacted my father on XXXX XXXX XXXX and asked to reach me. My father gave me the number and reference number to call, which I did on the same day. They said they're trying to serve papers with intent to sue on behalf of Citifinancial/Citibank and asked to verify the last 4 of my social and address, as well as a time I would be available to receive the process server. I informed them the debt was time barred, but they wished to have me served anyway. The following day after work ( approximately 23 hours later ) I went to the Sheriff 's office to speak to the deputy who handles process service in my county and no papers had been filed to be brought to me. As the debt is over 16 years old, and I have previously asked to no longer be contacted regarding it, I now wish to file a formal complaint against Citibank for violating the Fair Credit Reporting Act.
Product: Debt collection

I had paid the debt that I had with Synchrony Bank Pep Boys Credit Card in full and keep billing and refuse to send me a paid-in-full letter.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 t o correct my date of birth. 
1st, Complaint confirmation # XXXX 2nd Complaint confirmation # XXXX
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 'S XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

EQUIFAX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX 'S XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

EXPERIAN 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 has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lot of incorrect information on my credit report that XXXX, XXXX and XXXX is refusing to take off! There are wrong balances, incorrect addresses that are not mine as well as not even valid addresses! 
XXXX dollar hospital debt from a place I have never been too! I disputed it and it came back accurate when in NEBRASKA we have HIPA LAWS so there was no way they could have accurately verified that! Would have been a violation of my rights! 
There is missed payments when I havent missed any payments! These credit bureaus are purposely being negligence towards my credit report and reporting false information! 
I have disputed repeatedly as well as tried reaching out to original debitor to resolve these debts and get them removed but all to no prevail!
Product: Credit reporting or other personal consumer reports

As usual this company just likes to waste my time. Likes to send me emails that lead to nowhere. It likes to say one thing and then do another. As usual one hand has no idea what the other hand is doing. And as usual this causes a huge waste of my time and energy.

Today I received another email from them notifying me that a result was ready for my review as you could see in my attachments.

I follow their tabs to my account only to see that what they sent me in an email was a lie. Nothing was ready contrary to what their email/they told me. 

How are these people continuously allowed to run So incredibly recklessly, unaccountably and inaccurately!
Product: Checking or savings account

I submitted a check for {$25000.00} on XX/XX/2022 to Chase Bank. Originally i was told there would be a 9 day XXXX hold on the money. On XX/XX/XXXX I called Chase to ask how to expedite the process, and they said they bank the check came from, XXXX XXXX had to authorize it. I called the individual that wrote me the check after to call their bank and check their account. They reported to me that the money had already been withdrawn from their account, but it wasnt in mine.
Product: Debt collection

Wells Fargo sent letters after my fraud dispute and credited the fraudulent charges however for my company XXXX they are stating I still owe charges and I requested for them to remove all overdraft fees associated with this account as there was fraud that remained in this account for almost 2 years.
Product: Credit reporting or other personal consumer reports

I recently checked my credit and noticed that there are 8 fraudulent accounts and 10 inquiries showing on my report. I have filed a police report and filed a claim with the FTC I will attach both to this complaint. I have been a victim of identity theft I recently checked my credit report because I was preparing to purchase a vehicle and I noticed that there are 8 fraudulent accounts and 10 inquiries showing on my credit report. I will list the name of the bank that the account was opened with ; the account number # ; what date the account was opened ; and the amount $ that the account is in debt. XXXX XXXX XXXX # XXXX opened XX/XX/XXXX {$15000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX {$37000.00} ; XXXX XXXX XXXX XXXXXXXX opened XXXX XXXX {$300.00} ; XXXX XXXX XXXX XXXX XXXX opened XXXX XXXX {$400.00} ; XXXX XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX {$86.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$430.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$590.00}. There are also 10 inquiries showing on my report I will list the name of the bank that the inquiry was made and the date that it occurred. XXXX XXXX on XX/XX/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 I have no knowledge of who opened these accounts and I did not give anybody permission to use my information
Product: Debt collection

I received an attempt to receive and un-validated and un-verified debt from XXXX. Please review my attached documentation. 

XXXX is violation of the Fair Credit Reporting Act, XXXX XXXX. XXXX Section XXXX ( a ) ( XXXX ) ( B ) ( iii ), by not providing complete and accurate reporting at the request of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX Solutions sent me a letter in themail as a 3rd party debt collector demanding that I pay a debt owed to them. The original creditor was XXXX XXXX. I never gave XXXX XXXX permission to give my information to them which is a violation of my privacy on XXXX XXXX end. 

XXXX XXXX XXXX violated three ( 3 ) of my consumer rights. 
XXXX XXXX  - XXXX any unfair means to collect alleged debt False or Misleading Communications XXXX false, deceptive, or misleading representation or means in collection with debt Contacting 3rd Parties 1692b ( 2 ) - stated that the consumer owes any debt
Product: Credit reporting or other personal consumer reports

I have 4 inquiries on my credit profile that i did not authorized. Named as follow : XXXX. ) CB Indigo XXXX. ) XXXX XXXX XXXX  XXXX XXXX XXXX. ) XXXX XXXX XX/XX/year> XXXX. ) XXXX XX/XX/year> I have already contacted all XXXX credit bureaus about this matter. XXXX and XXXX said that they could not assist me. Stated that I had to contact the original creditor which i already did to no avail.
Product: Debt collection

An impostor opened a XXXX XXXX account using my credentials in New Jersey fraudulently from XX/XX/XXXX to XX/XX/XXXX and I have been living in Florida for the past 22 years. I became aware of the issue through my Visa credit card provider and I alerted XXXX and provided agent XXXX @ XXXX on XX/XX/XXXX all the information that I could, to prove that it was a fraudulent account that was opened without my knowledge. But they refused to correct the problem and submitted my case to a collection agency on XX/XX/XXXX. 

I was repeatedly contacted by Southwest Credit Systems ( debt collection agency ) and so I paid off the {$120.00} charge to stop the harassment. 

Please I need help to remove this negative collection issue from my Credit Report.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX acct # XXXX, XXXX XXXX  acct # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have pulled my Credit report and seen inquires I don't recognize or authorize!! 

XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX