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

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original XXXX : XXXX XXXX XXXX ) Account # XXXX, XXXX ( Original Creditor : XXXX AZ ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX, XXXX XXXX & XXXX ( Original Creditor : 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

The servicing of my mortgage was transferred to BMO Harris Bank in the beginning of 2022. On XXXX XXXX, I received a letter for the City of Philadelphia stating that my real estate taxes weren't paid. My taxes are included as part of my mortgage payment. I contacted BMO Harris Bank and they sent me a letter dated XXXX XXXX that the taxes in the amount of {$2800.00} were paid to the City of Philadelphia on XX/XX/2022. The City of Philadelphia would not accept that letter as proof of payment- they wanted a copy of the cancelled check. I contact BMO 2x in the past month requesting a copy of the check. I still haven't received anything. At this point, the City of Philadelphia has sent the claim to XXXX XXXX XXXX- a collection agency. I did contact them to explain the situation, but they also need proof of payment. I don't have time to continue to call BMO and start from the beginning with the customer service rep and explain the situation. Any help is greatly appreciated. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Transunion, And XXXX all participated in shady acts in regard to my consumer report. 

They all reported experiences and transactions which is not allowed. 

According to : the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. 

XXXX, XXXX, Transunion, and XXXX all reported a late payment as well as my usage. Well if late payments are a form of transactions, and usage is a form of experience these items should not be on my consumer report at all!! 

TransUnion is reporting late payments ( XXXX XXXX XXXX  as well as credit usage utilization which is a form of experience. 

15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates!!! 

i never gave any of these companies written consent/permission to use my PRIVATE DATA to report any payments or utilization to benefit them in their business dealings. 
Let alone any details alone this late payment from XXXX. 

Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

So my right to privacy has been completely violated!! 

It also states 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 method undermined the public confidence with is essential to the continues function of the banking system. 

Nothing about this late payment is fair or accurate according to the LAW and my privacy rights have been horribly violated, i am disheartened and i have been affected very negatively by this unfair reporting. 

TRANSUNION, XXXXXXXX XXXX  XXXX, AND XXXX ALL VIOLATED MY RIGHTS BY ALLOWING REPORTING OF THIS LATE PAYMENT TO MY CONSUMER REPORT!!! 

i need this late payment removed within the next XXXX days or further actions will be taken.
Product: Bank account or service

XXXX payday loans were taken out in my name by someone and they were all done over the phone, and each payday loan said they verified my information, work, bank, etc. What they verified was wrong I was unemployed, homeless, and bank was {$0.00} balance with no automatic deposit. Now overdrawn and in the negative. XXXX for {$700.00} ; XXXX XXXX XXXX for {$400.00} ; and XXXX for {$400.00}. I 've written letters, made calls, filed reports, disputes, I 'm going in endless directions.
Product: Mortgage

Nationstar took over my XXXX XXXX XXXX mortgage XXXX XXXX, since then they have not accepted XXXX payment, took me to court and then my case was dismissed. I have copies of my payments and now 1 year later they are trying to forecolse on me again. I bought this property in XXXX and need to keep it. 
This company is not a comapny that wants to work with anyone they just want to over charge you and then try to steal your property. 
I currently have a renter in the properity and they served her as well on XXXX XXXX, XXXX and now she does'nt think she has to pay the rent. I want this resolved right away so I can move on with my life.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. XXXX ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$13000.00XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$3200.00}, XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$900.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$640.00XXXX XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$140.00}, XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00} Inquiries : XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I am writing to urgently appeal the foreclosure proceedings initiated by CMG Mortgage on our home. Despite our efforts to negotiate a loan modification due to financial hardship, we find ourselves in an increasingly difficult situation. 

Our children have developed chronic medical conditions, leading to a significant rise in childcare and medical expenses. We sought relief through a loan modification, but our application was denied. The subsequent payment plan offered did not alleviate our financial burden, as it was equivalent to our existing payments. 

As the family of an active military member, we are disheartened by the lack of consideration for our circumstances, especially since the company has refused viable home modification options. This situation not only impacts our financial stability but also puts undue stress on our family, particularly given our childrens health concerns. Weve been recently threatened with foreclosure proceedings by recent phone call. 

We request a thorough review of our case and a compassionate reconsideration for a loan modification that genuinely reflects our current financial challenges. Your assistance in this matter is critical to prevent the displacement of our family. 

Thank you for your immediate attention to this urgent matter.
Product: Debt collection

***NEW COMPLAINT WITH UPDATE DOCUMENTATION*** LVNV Funding LLC ( LVNV ) has never contacted me by mail or by any other manner regarding their debt purchase fromXX/XX/XXXXnow XXXX XXXX XXXX XXXX I became aware of their existence after they had filed a lawsuit against me for a debt I do not recognize. 
Under guise of under litigation, they use that as a cover to avoid producing documents of requested documentation of the disputed account or provide the proof that they followed the law by properly doing the necessary work prior to filing a lawsuit against another across state line of pennies on the dollar purchased debt. 
Any business with a computer, some software and some personal information of another person can create invoices/statements of charges of what they think is owed to them. Thus, the account could be a fraudulent account, having fraudulent charges, etc. ; thus, the totality of those charges is being disputed. 
The debt buyer from XXXX, South Carolina, has NOT properly followed legal procedures prior to initiating a lawsuit against an individual across state lines nor have they validated the debt ; therefore, the complaint should be dismissed immediately. 
***PLEASE SEE ALL ATTACHED PAGES 12 IN THIS NEW COMPLAINT***
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX BANK XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$XXXX} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I submitted CFPB complaint regarding Equifax XXXX and XXXX XXXX for the accuracy of the information being reported on my credit report by XXXX XXXX XXXX. I provided dates of all the discrepancies and consistent errors over the past XXXX years. I then requested the record be removed from my credit report due to the damage it continues to do to my credit worthiness. 

I am entitled to a fair investigation into the disputed information under Section 623 of the Fair Credit Reporting Act ( FCRA ), aiming to correct errors and ensure the accuracy of my credit report. 

Both XXXX and Equifax continues to violate these rules. The willful non-compliance and FCRA violations of XXXX and Equifax are causing significant harm to my financial well-being. An investigation was not completed to determine the errors. An investigation was completed to determine if the account was valid.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  
ACCOUNT NUMBER: XXXX  LOCATION INFORMATION: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


 TO WHOM IT MAY CONCERN, THIS IS ABOUT THE CONSUMER CREDIT TRANSACTION INITIATED ON XXXX XXXX XXXX WITH YOUR FINANCIAL INSTITUTION EXECUTED BY WAY OF SIGNING AN AGREEMENT ( DOCUMENT).

 AS PER 15 USC 6827(3) THE TERM DOCUMENT MEANS ANY INFORMATION IN ANY FORM. THE PROVISIONS OF 15 USC 6801(A) REQUIRE FINANCIAL INSTITUTIONS TO NOTIFY CONSUMERS OF THEIR INFORMATION SHARING PRACTICES AND PROVIDE FOR A RIGHT TO OPT OUT OF CERTAIN SHARING. IN THE ABOVE MENTIONED CONSUMER CREDIT TRANSACTION, WITHOUT GIVING ME THE OPPORTUNITY TO OPT-OUT, YOUR INSTITUTION FURNISHED MY NONPUBLIC PERSONAL INFORMATION TO NONAFFILIATED THIRD PARTIES ( I.E EXPERIAN, TRANSUNION & EQUIFAX ) ACCORDING TO 15 USC 6809(4)(A), THE TERM  NONPUBLIC PERSONAL INFORMATION MEANS PERSONALLY IDENTIFIABLE INFORMATION- (I) PROVIDED BY A CONSUMER TO A FINANCIAL INSTITUTION; (ii) RESULTING FROM ANY TRANSACTION WITH THE CONSUMER OR ANY SERVICE PERFORMED FOR THE CONSUMER;OR (iii) OTHERWISE OBTAINED BY THE FINANCIAL INSTITUTION FURTHER, PURSUANT TO 15 USC 6809(5) THE TERM NONAFFILIATED THIRD PARTY MEANS ANY ENTITY THAT IS NOT AN AFFILIATE OF OR RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL WITH THE FINANCIAL INSTITUTION BUT DOES NOT INCLUDE A JOINT EMPLOYEE OF SUCH INSTITUTION. THEREFORE, AS PER THE LITERAL INTERPRETATION, THE ORGANIZATION NAMED TRANSUNION, EQUIFAX AND EXPERIAN ARE NONAFFILIATED THIRD PARTIES AND YOUR INSTITUTION HAS VIOLATED THE PROVISIONS OF 15 USC 6802. IN CASE YOUR COMPANY ADMITS THAT THE ORGANIZATION NAMED; TRANSUNION, EQUIFAX & EXPERIAN IS AFFILIATED, IT HAS STILL VIOLATED THE PROVISIONS OF THE FAIR CREDIT REPORTING ACT. PURSUANT TO 15 USC 1681A (D)(2)(ii), THE CONSUMER REPORT WILL NOT INCLUDE ANY INFORMATION COMMUNICATED AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL. 

FURTHER, 15 USC 1681A (D)(2)(A)(ii) STATES THAT IF THE COMPANY WANTS TO COMMUNICATE OTHER INFORMATION AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL, IT SHALL BE CLEARLY AND CONSPICUOUSLY DISCLOSED TO THE CONSUMER THAT THE INFORMATION MAYBE COMMUNICATED AMOUNG SUCH PERSONS AND THE CONSUMER SHALL BE GIVEN THE OPPORTUNITY TO DIRECT THAT SUCH INFORMATION NOT BE COMMUNICATED AMOUNG SUCH PERSONS. THEREFORE, YOUR COMPANY HAS NOT ONLY INFRINGED MY RIGHT TO PRIVACY BUT ALSO VIOLATED MULTIPLE FEDERAL LAWS.

 I HEREBY DEMAND YOU TO REMOVE THE BELOW MENTIONED INFORMATION FROM MY CREDIT REPORT AND UPDATE ACCOUNT TO PAID AS AGREED; LATE PAYMENTS: 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IF YOU ACCEPT MY REQUEST, I WILL NOT ESCALATE THIS MATTER TO A FEDERAL COMPLAINT. THANK YOU FOR YOUR ATTENTION TO THIS MATTER.

 SINCERELY, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I went to their store and applied for their financing of furniture. I did not take possession of the furniture. The first payment would have been due on XX/XX/XXXX -- if the items had been received. In XXXX of XXXX, I started getting past due notice and then realized that they had put it on my credit report with all three bureaus. I called them and was told I still had to pay for the items because they were holding them in the warehouse. I asked to speak to a supervisor who informed me that was not true and the store had returned all of the funds. I asked why was there still a balance on the account? He told me to go to the store -- I did they gave me a print out of the account. the full loan balance was {$8700.00} which broke out {$7800.00} to the store, {$950.00} for insurance ( which was not supposed to be on there because I had renters insurance. ) ( I have the contract ) The print out from the store shows they returned {$7500.00} which left {$240.00} for a pair of XXXX earbuds that was supposed to be charged to my card. I went back home and called them told them I had the printout and my balance and paid it ( I have my receipt ). They asked me to fax the printout to them which I did. 3 months later the account is still open with a {$400.00} + balance. My credit report since XXXX has shown that the High balance on this account was {$8800.00} with a monthly payment of {$350.00}. It is now showing that I am 30-60 days  delinquent ( I have the print out ). They send me harassing emails everyday ( I have saved them ), letters every week ( I have saved them ), they were calling me every hour during working hours until I told them to remove my number. I have exhausted myself trying to get this account closed and this negative item removed from my credit report. I was in the process of getting pre-approval for a home loan which is now on hold until this is cleared.
Product: Credit reporting or other personal consumer reports

Equifax had a data breach which affected my account, and I had wrong information added to my account including multiple under my credit with wrong DOB wrong name and addresses iv never lived at, I have proof that equifax has admitted to my account being affected by this data breach.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXXXX/XX/XXXX
Product: Debt collection

This company emailed my daughter my private information about their debt without my consent. Violating FDCPA
Product: Credit reporting or other personal consumer reports

Upon thorough examination of my credit report, I have identified hard inquiries that are unfamiliar to me. Subsequently, I have initiated contact with all three Credit Reporting Agencies, requesting either their removal or a thorough investigation into these inquiries. Enclosed herewith is an FTC report detailing the unauthorized inquiries, inclusive of those delineated in the personal XXXX section, which warrant expeditious removal from my credit profile. 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquires, Except as provided in section 15 USC 1681g ( a ) 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with credit or insurance transaction that is not initiated by a consumer XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

DirectExpress won't allow me to transfer money out of my account over XXXX XXXXXXXX to a local bank where I have a checking account. I'm trying to pay a previous landlord money they say I owe. Because of this outstanding debt no one will rent me an apartment. I'm XXXX because DirectExpress won't allow me access to my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am serious about the applicability and reliability in the recent study along with the balance and missed payments pertaining to CAPITALONE accounts and exactly how they are reporting on my credit report. With Section 1681 ( g ) I recommend them to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but until now no information received. I had also requested the actual proof, physical firsthand documentation of the payment history and proof of last payment but I did not receive what I asked and these violations persist on my credit report.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, Ieaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I found these inaccurate names and addresses in my credit reports. I visited https : //www.ftc.gov and filed an identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the inaccurate information which is being posted to my reports. Here is the list of names and addresses which do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX : XXXX XXXX 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

This Debt has been paid & needs to be removed from my credit report.