23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2018, this debt for {$890.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Product: Credit reporting or other personal consumer reports

I have discovered incorrect information on my credit report, as outlined by 15 USC 16c-2. I believe this information is inaccurate and negatively impacting my creditworthiness. The inquiries listed are unauthorized by me.
Product: Mortgage

I was applying for a second mortgage, I was requested to provide a document from my employer. I advised I should have it by the end of the week. I went to upload the document on this past Thursday and the mortgage representative had closed the application. I was then told I had to start the process all over again. I want an internal investigation done to determine why I was not advised it would be closed. I was not provided any communication advising it was going to be closed.
Product: Credit reporting or other personal consumer reports

On my XXXX credit report XXXX added a personal statement from me which is Fraud and the personal statement reads do not extend credit to me and to verify any personal details about myself with this phone number XXXX for seven years starting XX/XX/XXXX I no longer have that number XXXX and have filed twenty disputes online. By mail and over the phone XXXX who added personal statement refuses to update my phone number and remove the personal statement that I did not make. The personal statement has caused undue hardship poverty and exorbitant fees on myself and my children The personal statement by law should only be on and on my credit report for two years legally XXXX has extended this period to include five mores years in total of 7 years ending XX/XX/XXXX I am unable to get a home loan, school loan and auto loan and a home rental because of this personal statement produced by XXXX and added w out my permission with an incorrect phone number and they will not remove this statement nor will they update it with the correct phone number which has affected my livelihood I have had repossessions paid exorbitant rates its like I am bankrupt w a credit score of XXXX XXXX is the only one one who can add a personal statement or remove a personal statement I have begged pleaded filled out disputes and no one will help me change this information and has caused significant hardship in my life mentally and financially and totally time consuming and nothing changes on my credit report Today I was denied for XXXX XXXX and XXXX XXXX cards which I would have been approved had it not been for this personal statement because the company has to call the wrong number to verify my identity added to my file by XXXX Thanks XXXX XXXX has changed my PIN number passcode XX/XX/XXXX as well this is an XXXX insider and I have suffered over a XXXX XXXX dollars in damages
Product: Credit reporting or other personal consumer reports

Equifax had the wrong social security number on my account. Which show me having credit cards Im not aware off. After showing proof of my real social, equifax didnt take the accounts off related to the old wrong social security number. So I disputed, equifax said they proof that those was my accounts. So I called all the account and they all said they have nothing with my name or social security number attach to it. I gave the company the other social and they said it someone else. So I disputed again and seen that most inquiries were taking off and maybe 1 account. Equifax have done nothing to help me. He keep saying these accounts belong to me and the companies saying now. The other two credit companys XXXX and XXXX does not have these accounts. Please help me
Product: Credit card or prepaid card

I received the American Express Delta Platinum card with a XXXX   miles bonus if I were to spend {$3000.00} in the first 3 months. I completed my spending threshold in XX/XX/2017 -well within the 3 months since opening my card.

I have contacted American Express at least 4 times via chat ( since the phone number is not an option online ) and have been told repeatedly that my case required escalation and assured me that it would be resolved promptly and to check back in a week. This has been ongoing since XX/XX/XXXX and I keep getting the same run around when I ask for a status. My miles were to be awarded within 6-8 weeks and I have given them ample opportunity to rectify this. My biggest issue with this is that I counted on these bonus miles to book a trip that I now have to pay for out of pocket so this is a huge cost to me. I feel that American Express is unwilling to resolve this issue and feel that they used false advertisement of bonus miles to get me to open an account and use my card with them.
Product: Checking or savings account

I opened a savings account on XX/XX/2021. I transferred {$600.00} from my XXXX XXXX XXXX  XXXX XXXX  account to my new Citibank account. When the money posted into the Citibank account, two days later they blocked my account and accused me of fraud and blocked all my funds. I was not able to access my money. I called Citibank 21 times XXXX totaling almost 6 hours XXXX to resolve the issue with them to no avail. Some of the calls were disconnected by the Citibank staff and they did not give me any answers. They told me that they are closing my account and are sending the {$600.00} back. I asked them why they closed my account and accused me of fraud but no answers were given. They later told me that they were sending me my {$600.00} and it would take anywhere from 30-60 days and now it is over 60 days and still I haven't received my check. They have no physical branch near my location. The closest branch is about 5-6 hours away and that is why i couldn't go resolve this with them in person.
Product: Debt collection

I have tried to contact Synchrony bank multiple times about this debt. I have been unsuccessful in reaching them. I settled on this account and paid the settlement agreement but on my credit report it still shows charged off and debt owed. Does this not update to paid as we had an agreement and I paid? I would like an answer to that and a phone number to be able to reach them without having to wait on hold for 50 minutes and then the call disconnects before I can actually talk to someone. Is there a way this charge off can be removed from my credit report or updated in some way? These are questions i would normally reach the bank directly to speak about, but have been unable to reach them.
Product: Credit reporting, credit repair services, or other personal consumer reports

i tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX and XXXX with supporting documentation showing that you guys are reporting differently to from XXXX  to XXXX and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate furthermore i see that XXXX   deleted this account how did they delete it if you verified it with XXXX   and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give my consent to run my credit for the following companies. 

1. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX, CA XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

2. 
XXXX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

3. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

4. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

5. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

6. 
XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

7. 
AMERICAN CREDIT ACCEPTAN Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX XXXX EXPERIAN XXXX DEPT RE : NOTICE XXXX XXXX XXXX XXXX XXXX NON-COMPLIANCE REPORTING THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to EXPERIAN that the listed institutions ATTACHED have not conformed and are currently reporting in non-compliance with the following XXXX XXXX XXXX XXXX statutes Reference number XXXX Record type XXXX XXXXXXXX XXXXXXXXpetition filed Court US BKPT CT XXXX XXXX XXXX  Reference number XXXX Record type XXXX XXXX XXXXdismissed Court US BKPT CT XXXX XXXX XXXX Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b ) For the record, I, XXXX XXXX HAVE NEVER received an INITIAL OR ANNUAL PRIVACY POLICY NOTICE from any of the ATTACHED reporting institutions as required by the XXXX statute ( s ) above, nor have I been given a chance to opt-out from my personal information from being shared w/ 3rd parties. Why does EXPERIAN allow these non-compliant institutions to report on my credit profile and put my privacy at risk? 

Until compliance with Sec. 6802-680XXXX of the XXXX can be substantiated, I DEMAND that EXPERIAN PERMANENTLY DELETE the following non-compliant ATTACHED account ( s ) within 3 days and forward to me a FULL updated credit report with these deletions to the address above By publishing these non-compliant account ( s ) on my credit profile and distributing them to 3rd parties you are INTENTIONALLY DAMAGING my reputation and credit worthiness. For the record, I will also file this complaint with my state Attorney Generals office and the Consumer Financial Protection Bureau ( CFPB ). 

Experian is in violation of the XXXX XXXX non-compliance penalties can be quite serious for financial institutions. They include both monetary fines as well as imprisonment. ThXXXX XXXX  non-compliance penalties include : A fine of up to {$100000.00} for each violation A fine of up to {$10000.00} for officers and directors of the financial institution In case of a serious violation, individuals may be imprisoned for up to 5 years Revocation of licenses
Product: Credit reporting or other personal consumer reports

I wrote a dispute letter to Experian to investigate and correct the inaccurate reporting they are reporting on my credit report and they dont fix it. Instead of correcting the inaccuracies theyve been reporting they just changed things into more inaccurate information and has been and still is harming me very much. This goes for XXXX XXXX XXXX XXXX XXXX accounts, XXXX XXXX accounts, and any other false reportings that they are reporting on my credit report! I disputed back in XXXX of XXXX and still havent had my problems resolved!
Product: Mortgage

Hi, My forbearance ended on XX/XX/2021. 
I have contacted my mortgage company, Mr. Cooper for the last month or so. 
They have stated that the amount do is close to {$30000.00}. 
I do not have that kind of money. All I want to do is work out a reasonable repayment plan. 
I have contacted Mr. Cooper multiple times and they said it is Fannie Mae regulations. 
I tried to be proactive before I got behind. 
It has been the perfect storm, the pandemic, I had a XXXX  XXXX XXXX and have applied for Social Security XXXX and it takes for ever. 
We are desperate, we want to keep our home. 
Please anything you can do to help us is greatly appreciated. 
Thank You
Product: Mortgage

I have  a   XXXX   XXXX   XXXX   hom e in  XXXX , CA and     XXXX     contracted with sub-servicer  AmeriNational  to handle my monthly payments. Due to job loss in   XX/XX/XXXX , I e nded up behind in payments. Back on track  in  XX/XX/XXXX , I re started making regular monthly payments - accepted without incident- until     XX/XX/XXXX / XX/XX/XXXX   when I received a letter from AmeriNational seeking a total of $ 23+K as an outstanding balance for one month  in  XX/XX/XXXX . I rep lied. We went back and forth. I asked for a loan modification. They sent an application. I completed it then returned it. They responded that they needed  by  XX/XX/XXXX  tax returns but a t that time I had not filed. In lieu, I sent in all the employment info/paystubs I had and when I did file  XX/XX/XXXX , I sent in copies. From there, everything went dormant for a couple months and no one from  AmeriNational  would tell me what they did with my app and why it was never processed. I filed a consumer complaint. The company 's rep responded online and said that they 'd resend another app " but it did n't mean I 'd get it ''. Never received it. I continued making monthly payments. They were received without incident. In   XX/XX/XXXX  , they sent that month 's payment back. Said they only wanted my defaulted payments. We went back and forth and I still sent in monthly payments. In   XX/XX/XXXX  , they retur ned  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX  but not  XX/XX/XXXX .  Do n't know what happened to it. In the letter attached to those payments, they asked me to stop making payments all together. Shortly before this happened, they 'd referred me to HUD. I do n't have a HUD loan ...  .. H UD  's  site says " if your servicer asks you to stop payments that that 's illegal ''. I 've asked AmeriNat several times -in writing- if they partnered with any agency who can help me. I wrote to HUD. In their response, they indicated that my mortgage is n't FHA so I 'm not sure how AmeriNat categorizes it. I wrote them and asked what they did with all the other payments I 'd made. They wo n't say. They sent me a copy of a USPS receipt for mail they sent but my signature is n't on the form b/c I did n't receive anything. I told them this. No response. Along with that copy was a printout that I could n't even digest. They also wo n't say why they just wo n't move this defaulted amount to the end of my loan. I 've received letters from at least 4 different people in this company. At  one  point during  XX/XX/XXXX , they emailed that they 're no longer AmeriNational, they 're AmeriNat. This was after I wrote that I intended to report their activities to their executive  Board ( thos e identified on the AmeriNational website )  XX/XX/XXXX  says they do n't get involved. Just want to keep my home.
Product: Credit reporting or other personal consumer reports

I closed this account on XX/XX/year>, and on that day this company received my payment of {$96.00}. However, after multiple calls and faxes, they continually stated they have no record of my payment. I spent $ XXXX for faxing, trying to get through to the back office, praying someone would help me. Nobody ever helped me, so I resorted to the BBB, hoping this would spark some sort of solution. It did not. The company CONTINUED to deny the payment was received THREE times on the BBB, despite my fulfillment of their requests to prove the payment was made by me. 

They requested my full bank statement from the month the payment was made, I provided that. Then, they request a letter from my bank regarding the payment. I provide that. They continue to say that they have no record of the payment!!!!!! 

Finally, I threaten to go to the CFPB, and on XX/XX/year>, I checked my account via their app and I noticed my account balance was FINALLY updated to {$0.00} after fighting with them for almost a year!!!! However. After a few seconds, the app timed out, and I am no longer able to access my account with them ( which is why only the screenshot I was able to take at the time is being uploaded for proof of that ). 

Although the company updated my balance with them to {$0.00}, my credit report still shows a balance of {$130.00} ( the {$96.00} balance on my credit card that I paid on the day I closed it + a late fee- for the payment I made lol ). 

Please note that I have attached proof of everything Ive stated. 

This company needs to update my credit report immediately
Product: Credit reporting or other personal consumer reports

I've noticed you have been reporting my information to the 3rd party credit bureaus which are on my credit report XXXX and I never gave you Consent to do so which is in violation, also you can not disclose my information unless you have given me an explanation on a non disclosure option to opt out which you have not done, according to The Federal Trade Commission. 

15 U.S. Code 6801- Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is disappointing seeing the Credit Bureaus do their best at nothing to correct my XXXX file. I have beeen requesting that the Credit Bureaus delete the items I am disputing to correct my Credit Report from fraudulent information. The most recent letter I sent was XX/XX/2022 yet another request to remove the names, addresses and accounts that are completely UNKNOWN to me. I have read enough to understand my rights and according to FCRA XXXX ( XXXX U.S.C. XXXX ), the XXXX XXXX XXXX XXXX XXXX to remove any accounts and information not later than XXXX business days after XX/XX/2022. Ive already included this in my previous Complaints & I am including it again : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXXX Balance {$0.00} XXXX XXXX XXXX XXXXX Balance {$770.00} XXXX XXXXX XXXX {$0.00} XXXX XXXXX Balance {$850.00} XXXX XXXX, XXXX XXXX Balance {$83.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 
XXXX XXXX XXXX XXXXXXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXXXXXX XXXX XXXX XXXXXXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX, Experian, and XXXX have 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 an 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 or 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 data is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The disputed account does not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove this file. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$990.00} ; If the credit bureaus feel there is a possibility this account belongs to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.