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

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly.

I have the right to privacy.

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

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, FL XXXX
Product: Debt collection

I have been trying to get Shellpoint Mortgage Services to provide me with a correct payoff as of XX/XX/year>. They previously provided a payoff to my ex-wife on XXXX XX/XX/year> that was only valid through XXXX XXXX  on XXXX XX/XX/year>. I could not get a payment arranged in one day. It included " per diem charges '' of $ XXXX but when I contacted them directly on XXXX XX/XX/year> about making a payoff after XXXX XX/XX/year> by adding the per diem charges per day, they told me to request another payoff since they could have added additional charges subsequent to their " one-day Payoff '' offer. During that conversation on XXXX XX/XX/year> with their representative, I requested a payoff that would be good through XXXX XX/XX/year>. He agreed to send it to me. I waited the " 5 to 10 business days '' for the email/letter. It did not arrive. I was later told by a different representative that a payoff was never requested on XXXX XX/XX/year>. I always get the same nonsense from this company stating it will take up to " 5 to 7 business days '' to get that done or " between 5 to 10 business days '' to get it to me. It seems to just be a delaying tactic to give them time to add additional fees or keep the interest cost increasing through delays. These folks seem cordial on the telephone but they are not helpful.
Product: Credit reporting or other personal consumer reports

The following credit cards and credit card accounts currently listed and showing on my XXXX and Equifax credit report are lost/stolen 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

There are several account that I have been trying to get removed because they are paid off account and then resubmitted to my credit. XXXX XXXX XXXX XXXX was paid off and still the all XXXX Credit Company want show it paid in full. Also XXXX XXXX has reported on my reports after all their equipment has been returned and there is no unpaid balance on this account. XXXX XXXX is another account that was paid off back in 2009 in full and they had some fraudulent activities with in there company and they have added to my report again after it has been paid off. In fact they have the same account on my reports twice and I ca n't get the credit companies to correct them. This has been a ongoing issue for me and I am just trying to get someone to resolve these issues for me because it does n't seem as though the credit companies care or want to do the right thing. I have reported this to the Alabama XXXX XXXX and they still want send me proof of these debts nor will they remove them. I was informed by a mortgage company that there seem to be some inaccuracy and that I needed to contact the consumer finance department to get some resolute. I hope and pray that you can get me the answer I need to correct these error that are ruining my credit. Thank for you help and hopefully these issues can be resolved soon. Unfortunately these account are very old account and I do n't have the necessary paperwork to send but I have asked several time for these companies to validate these debts and they want.
Product: Mortgage

Mr. Cooper is the servicing company on my loan. I contacted them via the secure message feature XX/XX/XXXX and XX/XX/XXXX and only received automated responses that they would contact me within 5-7 days. There has been no contact. I received my escrow statement XX/XX/XXXX and PMI is still listed so I contacted them via chat and was told I needed to call. XXXX gave me 3 numbers to call. After being disconnected and on hold I finally reached agent XXXX XXXX on the 3rd number who told me she could not find my loan information although I was authenticated by their system. My loan reached the legal requirements to remove PMI and that is all I want done.
Product: Credit reporting or other personal consumer reports

I have been receiving updates from credit reporting agencies showing delinquent and inaccurate information being reported on my credit files. I have been a victim of identity theft for over 10 years, and I have provided proof on several occasions to prove this claim, such as police reports, FTC reports, OPM letters, social security card, ID, and proof of address. Accounts appeared inaccurately on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX for the amount of {$62.00}, XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX for {$10000.00}, XXXX ; Discover Bank for {$12000.00}, and XX/XX/XXXX XXXX XXXX XXXX for {$6000.00}. I have filed several disputes with XXXX, XXXX, and XXXX about the inaccuracies, and nothing has been done in reference to the misleading and inaccurate reporting on my personal credit files. As a result, my credit reputation is being ruined and I am unable to gain a trustworthy credit history with companies.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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 or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXFraudulent to be removed by XXXX, Equifax XXXX AND XXXX 

XXXX XXXX -Fraudulent to be removed by XXXX XXXX Equifax XXXX AND XXXX 

XXXX XXXXFraudulent to be removed by XXXX, Equifax, AND XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized inquiries on my credit report. I did not authorize the following inquiries, and I request that they be removed immediately : Inquiry by : XXXX XXXXXXXX Inquiry Date : XX/XX/ Inquiry by : XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX  Inquiry by : XXXX XXXX XXXX Inquiry Date : XX/XX/ Inquiry by : XXXX XXXX Inquiry Date : XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

As I look at my report the open date on 2 account both from XXXX XXXX but are reporting two different balances under two different collection agencies. 

XXXX XXXX XXXX {$160.00} and Credence resource Mana {$290.00} These accounts also arent reporting to all 3 credit bureaus. Its been removed under a dispute but added back on XXXX and XXXX is only reporting XXXX XXXX XXXX. 

I would like these inaccurate accounts removed if I cant receive validation on these accounts are accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Credit reporting

Experian has been illegally re-aging both of my student loans. My student loan accounts with XXXX should have been deleted in XX/XX/XXXX. Experian told us that is the date both accounts would be deleted after investigating in XX/XX/XXXX on the deletion date.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately.it is saying had one late payment on an account that i in fact paid on time.The consumer reporting agencies need to report all information with complete accuracy.this account has not been late on payments ive attached a copy of my most recent credit report to this complaint on the following dates it was reporting late on XXXX XX/XX/2022, XXXX deleted the account from my credit profile do to the inaccurately reporting it was reporting late in XX/XX/2022, Equifax is reporting late in XXXX XXXX.I was in fact on time during XXXX XXXX  and XXXX XXXXThe consumer reporting agencies need to report all information with complete accuracy.this account has not been late on payments I've attached a copy of my report to this complaint and proof of the XXXX deletion.Im now requesting you investigate and provide verifiable proof with records showing that i had late payments.If this information connot be verified I demand this account be deleted from my credit profile as XXXX removed it or updated to paid on time immediately.Thank you for your understanding and prompt action.Account name : XXXX XXXX Account Number:XXXX
Product: Mortgage

Back on XX/XX/XXXX I asked SPS ( Select Portfolio Service ) to provide me with Payment History from XXXX through XX/XX/XXXX. I made this request via phone. Unfortunately, SPS could only provide from XX/XX/XXXX through XX/XX/XXXX. The reason I needed this information is I was trying to refinance my home and had locked in at a very reasonable interest rate. I need this information as I had a second lien on my home through the XXXX XXXX XXXX  XXXX XXXX ). They had provided financial relief for me to stay in my home in XXXX and XXXX. At that time XXXX XXXX was the mortgage holder. When it was sold to SPS in early XXXX, the history was supposed to be transferred to SPS. I request it as said in XXXX of XXXX, letting SPS know I need the information, or I would have to pay {$32000.00} to have the lien released. They kept denying they had the full data saying that was all the had received. There should be accountability to them as well as XXXX XXXX. They had part of the information as well as my load modification, but not the full history. The XXXX would not accept that, and because of time restrictions and Interest rates rising, I had no choice but to move forward and include the additional {$32000.00} in my refinance and close the deal. There should be laws that make financial institutions save history for cases such as this and penalties if they do not. I believe SPS lost the material or, if they didn't get it should pay me and then go after XXXX XXXX if they didn't supply it. See all letters to and from SPS.
Product: Credit card or prepaid card

I received two emails, both from Synchrony Bank. They both state a " trial deposit has been made to my account. '' One is supposedly tied to my AMAZON account, I don't have a Synchrony Bank account or an Amazon Card. 
I did not request or solicit this " trial deposit ''. 
There is no information to contact this bank - only a reference to the FTC website.
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 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 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 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 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: Vehicle loan or lease

I was a current owner of a XXXX XXXX, purchased at Al XXXX XXXX. My current loan was active and up to date, it was an automatic payment set up. I went in for maintenance on XX/XX/XXXX at Al XXXX and was approached by a salesman to up grade to a XXXX XXXX. I agreed to the trade and was told I would not have any payments for 3 months due to the pandemic and they would contact me once they are able to get my loan approved. On my contract there is no loan company and I never heard from the dealership or anyone regarding me being approved for a loan. On XX/XX/XXXX in the early morning I hear someone in my yard, I took a look out my window and see 3 repossession trucks in front of my home. My granddaughter 's white XXXX XXXX was parked right behind my XXXX and one driver pulled her car out the driveway to remove my XXXX from my driveway. I came out and asked the guy what was going on and he informed me that he was here to repossess the XXXX. I asked him how when I never received a payment notice or book or a late notice. I have lived at the same address for 44 years and have never had an issue with getting my mail. This was not the first vehicle I have purchased and I am not one to be late on paying my bills. I have never had a repossession nor did I retire to be taken advantage of. I have a set income and will not live above my means, I would've returned the vehicle if I could not afford it. I have been embarrassed and feel totally violated by Al XXXX XXXX and Fifth Third Bank.
Product: Consumer Loan

Well I asked the manager could I renew my loan. She stated her Company policy is that since I sent her Company a cease and desist letter not to call my job ( because I ca n't accept calls on my job ) but they are welcome to call me on my home, cell, or any references if they could not contact me she would not renew my loan. I advised her that I had never heard that before and I felt like it was a personal vendetta that she had against me. I feel that I was biasly discriminated against based on the way I looked, And because I was not a certain color and did n't look a certain way. I feel that I am a law abiding citizen that deserves to be treated fairly and her predatory lending ways should not be prohibited just because she does not like me because of her own I 'll gotten reasons. I did try to call her supervisor whom she has a personal partnership with and nothing never gets resolve because of this conflict of interest. Her Supervisor never return the call. I plan to consult a lawyer because bias predatory lending discrimination is not prohibited by consumer law and this matter needs to be addressed and resolve, so another fellow XXXX wo n't have to go through what I did.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. XXXX XXXX XXXX XXXX violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all XXXX violations. 


Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. XXXX XXXX XXXX  XXXX is falsely publicizing an account addressed to me on XXXX, Equifax XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXX XXXX XXXXXXXX has published my information publicly on Equifax, XXXX & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 


Fact, 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. XXXX XXXX XXXX  XXXX has published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, Affiant is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX  XXXX Right. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. XXXX XXXX XXXX XXXX has published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.
Product: Checking or savings account

On XX/XX/year> I opened account XXXX of XXXX in XXXX 
On XX/XX/year> I was supposed to receive interest payment check on sum of XXXX XXXX However, as for today I have not received that check. 
Since that time I have been regularly calling XXXX regarding that matter, I talked to a lot of their employee and supervisors, but did not get any outcome. They assigned a XXXX number : XXXX. 

Today, XX/XX/year> some supervisor of XXXX told me that there was not any updates and just hung up.
Product: Mortgage

I bought a home at the tax upset sale with a Lien on the Title for a HELOC. After multiple attempts to request a payoff for the amount of the Lien, the bank is refusing to respond.

The original owner of the Loan is deceased. I have the Deed in my name and want to clean the title and they REFUSE to acknowledge or offer a payoff, or provide a Lien Release.
Product: Debt collection

I AM A VICTIM OF IDENTITY THEFT. THERE ARE NUMEROUS OF FRAUDLENT ACCOUNTS APPEARING ON MY CREDIT REPORT. I'VE SENT COUNTLESS OF LETTERS TO THE CREDIT BUREAU AND I HAVEN'T RECEIVED A RESPONSE. PLEASE HAVE THEM REMOVE FRAUDLENT INFORMATION. IVE INCLUDED MY FTC REPORT AND POLICE REPORT.