23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Due to a {$0.00} ( cents ) past due tax bill. Green Tree decided that we needed an escrow fund set up on the mortgage payment to pay our future taxes.This raised our monthly payment from {$550.00} per month to {$820.00} per month. We contacted Green Tree to get this removed from our payment but the customer service rep. said this would have to be taken before a review board and they would have to investigate and make a determination as to whether it should be removed. We sent documentations showing we paid the taxes, and that we would continue to pay our taxes ourselves. They evidently ignored these documents and continued on their own agenda. We feel as though the company has been trying for the last few years to steal our home by any means possible since our loan was sold to them without our being notified of the impending sale from XXXX. We would never have gone with this disreputable company. We do not want to pay for an escrow account we have never needed. We feel like they do not listen to us when we contact them, and when they put you on hold to discuss this matter with someone, they are dodging the issue. We sent our XX/XX/XXXX payment in to them and they are holding it and not applying it to our account so we will be behind in our payments. We feel like we are being taken advantage of!
Product: Checking or savings account

I received a notification on the XXXX around XXXX PM that someone head looked up my Bank of America user ID and changed my password. My phone was misplaced/stolen on the XXXX of XXXX and I believe they used apps/information to hack and drain my bank accounts, they started transferring money from my main checking account ( ending in XXXX to my other checking account ending in XXXX ) taking out large sums of money/ completely draining my accounts in the total of {$17000.00}. They were made to a company called XXXX XXXX which I had used previously however NEVER made a transaction over $ XXXX. The XXXX XXXX XXXXBOA App, etc were all on my phone. They used XXXX XXXX to send my money to some crypto wallet depleting my account of funds within a couple of hours of password change. I let BOA know as soon as I was made aware and I was told that she could tell someone had stolen my identity and made these transactions fraudulently. These charges that were made from XXXX to XXXX. These charges were very alarming because they were all in LARGE sums of money.= thousands of dollars in each transaction and completely drained my main checking to transfer into an account they were able to make transactions/withdrawals out of. The account they transferred money over to ( was hardly ever used prior ) and the debit card was saved to stolen phone. I have attached claim details along ( however if BOA can update me that someone looked up my user ID and password and then changed password they NEVER should have allowed transactions to go through ), along with message to original company that refused to refund transactions. In fact they replaced to my email update regarding fraudulent activity stating they had never confirmed my identity verification and my drivers license required to withdraw these funds... and that is because I NEVER GAVE CONSENT not did i authorize these transactions. I was told by BOA that they would research claim and was later denied claim/closed out.
Product: Debt collection

On XX/XX/XXXX, I contacted XXXX XXXX to arrange high-speed internet service for XXXX XXXX, XXXX. I was transferred to XXXX XXXX XXXX XXXX ( Representative Code : XXXX ), who sent me an electronic contract to sign. The contract, effective from XX/XX/XXXX, for 24 months, locked in the monthly rate at {$120.00}, with a one-time installation fee of {$120.00}. The service was installed successfully on XX/XX/XXXX, at XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX. On XX/XX/XXXX, I made my first payment of {$260.00}, which included the monthly fee and installation ( Confirmation Number : XXXX ). 

Due to a planned relocation, I contacted XXXX XXXX again on XX/XX/XXXX, and spoke with Sales Representative XXXX XXXX ( Representative XXXX : XXXX ). He arranged a service overlap to ensure uninterrupted internet during the move, with a new temporary address at XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX. The installation at the temporary address was completed on XX/XX/XXXX, ahead of schedule. However, issues arose when I attempted to transfer the service to my permanent address at XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX XXXX. Despite signing a new contract on XX/XX/XXXX, the installation was delayed due to infrastructure issues, and I was charged an additional {$120.00} installation fee and a higher monthly rate of {$130.00}. 

On XX/XX/XXXX, I scheduled installation at the new address for XX/XX/XXXX. However, my service was abruptly suspended, causing significant disruption to my work. Despite multiple calls to XXXX, the issue remained unresolved, and I was not compensated for the downtime. Additionally, I discovered that two accounts were active simultaneously, leading to further confusion and incorrect charges. I returned all equipment to an Xfinity store ( XXXX XXXX XXXX XXXX, XXXX, FL, XXXX ) and provided receipts, yet XXXX continued to claim the equipment was not returned. 

On XX/XX/XXXX, I received an email from Sequium, a debt collection agency, demanding {$1100.00}. XXXX XXXX denied knowledge of this charge and refused to address the issue. I am reporting XXXX XXXX and XXXX for fraudulent practices, including unauthorized charges, miscommunication, and failure to resolve service issues. I have documented evidence, including contracts, payment confirmations, emails, and recorded calls, to support my claims. I demand accountability for the financial and reputational damage caused by their actions.
Product: Checking or savings account

Please refer my previous complaint about my Citi account ending in XXXX. Today I received my debit card as well a letter. 
XXXX states that citi is automatically going to close the account. I started chatting with XXXX but chat was disconnected. 
As per the letter - not only this account but any other Citi accounts will be closed.
Product: Debt collection

Once more, I, XXXX XXXX, am submitting this CFPB complaint to contest the data you allegedly have on my credit file. I fell victim to identity theft once more, and I never authorized the charges and transactions with your company. I'm asking you to delete the information in my credit file that you are currently reporting in accordance with the Fair Credit Reporting Act. I don't think I ever signed a contract, and your blatant disregard for federal law is a breach of my legal rights as a consumer. Please get rid of the account that is included on my credit report, as I beg you. 
MEDICAL DATA SYSTEMS XXXX  Opened XXXX XXXX XXXX Balance {$320.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My concern is that An account from the company " XXXX XXXX '' with A late payment status on XX/XX/2022 was previously removed from all XXXX credit reporting agencies the next month XX/XX/2022. But as of XX/XX/2022 the Late Payment reappeared on all XXXX credit reporting agencies without my consent, without notifying me first, and without explaining why this previously deleted item is reappearing on my credit reports. And they want to keep claiming it's been verified but not tell me how. Futhermore my concern is COMPLIANCE. They have violated COMPLIANCE. 
The credit bureaus are operating out of compliance. Due to the fact stated in the Consumer Financial Billing Act. I should be contacted before anything is placed on my credit report that has the potential to adversely affect my report. Also, I'm supposed to be contacted within 5 days before, I repeat before this is placed on my reports, to offer an explanation. In this case I was never called, emailed or received A letter. 

The Deletion changes are all documented within the cfpb database ; CFPB XXXX XXXX Responded XXXX ; " The disputed item is appearing just as you stated it should, on your current XXXX credit report. The account is being reported as never late. A credit report is being mailed to your attention for review and confirmation. '' Unquote. 

CFPB XXXX Equifax Responded XXXX On the credit report it shows, " No Delinquency, No, Never Late and Paid as agreed. ''
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of an account from my credit report as reported by all three credit bureaus. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for {$5700.00} from XXXX XXXX XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable.Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 6 inquiries on my report. I contacted the companies to have them removed and they told me to contact the bureau to have this taken care of as they could not. I contacted XXXX  and they removed the inquiries within a week with no problem and I placed a fraud alert on all of my accounts.

I then contacted Transunion and they refused. Informing me that the companies had to do it. So they are sending me in circles with no resolution or willingness to assist me. Only refusal.

The companies are as follows : XXXX  XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Company ran my credit multiple times
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NY XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes.

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report. 
XXXX. An updated credit report reflecting the corrected information. 
XXXX. Written confirmation of the actions taken to resolve this dispute. 
XXXX XXXX XXXX XXXX XXXX, CO XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 attended the UNIVERSITY XXXX XXXX XXXX at the beginning of the school year, but had to withdraw due to medical issues. XXXX places a debt in my name to the collection agency COAST PROFESSIONAL INC. COAST PROFESSIONAL INC placed the debt on my credit reports.After reviewing and getting to the bottom of everything the school figured that I do not owe the fees that are on my reports and contacted COAST PROFESSIONAL telling hem to cancel the account due to a medical withdrawal and XXXX balance. However COAST PROFESSIONAL have yet to remove it. tried contacting this company but have been getting the run around and told different things. They said that they cant get me any info as to whether they have contacted the credit bureaus or not. They stated that they were indeed contacted by the school, but need to verify more info. Im not sure what more they need to verify if the school gave them the info that they need to have it taken off of my credit files. They also said that the account is closed with them but yet to remove the info off of my report.
Product: Debt collection

The laws of the state of Pennsylvania clearly states that when a repossession takes place, that there must be at least two auctions completed before there is an upset price pertaining to collection purposes. However, in fiscal year 2017, being that my family runs a XXXX  business, we suddenly faced several financial issues that caused this repossession. Accordingly, I am requesting a reasonable settlement to this collection. The vehicle loan was for a high interest rate, and the payment was very high. I would appreciate an offer in compromise either through my email or direct mail, and Ill do my best to make that payment to benefit all parties.
Product: Debt collection

CMRE collections is wrongfully reporting a collection on my credit for the amount I DON'T OWE. I requested validation of debt and who the original creditor was they have NOT provided any information on that and now threaten to take legal action for this debt which they say was originated in 2014? .... how is this legal CMRE FINANCIAL # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Please check the information concerning the XXXX data breach below in attachments. Also the information being reported during the time of my treatments. A couple of companys should be aware of this. XXXX, my banks and XXXX all reported I am a victim of fraud
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia, XXXX XX/XX/2023 I am writing to inform you that there is 100 % improper use of the credit report. Attached to the XXXX! TRANSUNION, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, Birth certificate, driver 's license, and bank statement. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the TRANSUNION, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE TRANSUNION, XXXX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, TRANSUNION, XXXX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN XXXX HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 
IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN XXXX HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, XXXX, and TRANSUNION 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 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!! 
DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!!! 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Georgia, XXXX XX/XX/2023 TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 
Account Name-XXXX XXXX XXXX XXXX XXXX- Account XXXX XXXX Account Name-XXXX XXXX XXXX- Account XXXX XXXX Account Name-U.S. Bankruptcy Court- Account number- XXXX XXXX U.S.C 1681 section 602 A. States I Have the Right to Privacy!!! 
15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!! 
DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!!!
Product: Vehicle loan or lease

on XX/XX/2022 at XXXX american credit acceptance received a Notice of rescission from me according to XXXXXXXX XXXX XXXXXXXX to which im still waiting for them to send me back my down payment of {$1500.00} plus the return of the title to my car. they have violated 15 usc 1640 ( a ) an should be held liable for damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15USC1681 section 602a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " XXXX, Transunion and XXXX are consumer reporting agencies and I am the Consumer XXXX have the right to make sure my private information isn't shared which is backed by 15USC6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers nonpublic personal information. " ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the XXXX reporting agencies XXXX, Transunion and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Transunion and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or other wise is revoked.15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that nondisclosure option. " ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again with out my permission which is against the law 15 U.S 1681s 2 ( A ) ( 1 ) A states '' 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. 15U.S.Code168 1estates '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX Transunion and XXXX are not maintaining reasonable procedures. Also 12CFR 1016.7 states that '' A consumer may exercise the right to opt out at anytime. " I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to the credit bureau letting them know that the information on my credit report for Transunion and XXXX is reporting inaccurate information on my credit report. As a result of this information it is putting a strain getting approved for other loans and jobs and this is the only thing effecting it. XXXX XXXX  is reporting incorrect information to the credit bureaus Transunion and XXXX. Its not just inaccurate information but the two reports are saying two different things. I have told XXXX XXXX  about this and the credit bureaus. I have not ever been in foreclosure. I would like for these accounts to be deleted as XXXX  has investigated and deleted this inaccurate account. If this issue is not resolved I will begin litigation process to the fullest power. i have already contacted a lawyer and was told to try this process one last time. It is the bureaus job to report 100 % accurate information and clearly they are not when comparing the reports. I ask that you follow suit and delete these accounts immediately Transunion account # is XXXX XXXX  account number XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple complaints, my credit report still reflects inaccurate accounts that are tied up in litigation. I am outraged by the lack of attention to this issue, which is seriously harming my financial standing.