23daVinci/CFPB_Complaints huggingface dataset:
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 Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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: Mortgage

We had a XXXX loan with a company called " Greentree '' XX/XX/XXXX. This was sold by XXXX XXXX XXXX. Due to fraud and misrepresentation of this bank, we were forced to request for loan modification. As the result the Greentree froze the account and kept the balance to {$100000.00} Subsequently, on XX/XX/XXXX we sold the property and paid of all the loans in full in a escow account. Now, we have been trying to re-finance our current property and again, a company called, " Ditech Financial LLC '' which is the same company as Greentree fraudulently reporting a {$150000.00} second mortgage to credit agencies. In addition, this company sold the account to another company called " XXXX '' and added another negative item in our credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX services had purchased an account from XXXX and put it in collections. I received a summons from the law firm they hired weber/olcese. we came to a settlement agreement which I will attach. I fulfilled the terms of the agreement however the XXXX account is still showing negative instead of paid on my report. I made all communication with XXXX   and weber/olcese through email, but now when I email XXXX about this they only give me a number to call. I have made several attempts with XXXX  to have this corrected and to get it reported correctly with XXXX to the bureaus, but they have not been helpful.
Product: Credit card or prepaid card

On XX/XX/2023 I cancelled an Apple Card 's auto-pay payment ( XXXX 's bill {$2500.00} ) from my closed bank account.and Apple Card charge me {$46.00} interest at moment! Then I Payed the whole bill {$2800.00} from my another bank accounts! 
But on XX/XX/2023 Apple Card charge me {$2500.00} on my bill again! and the Apple service told me the bank reverse the payment amount that was canceled it increase my Apple Card balance, and asked me to pay this amount bill again!
Product: Credit reporting or other personal consumer reports

Incorrect or misleading information on rental history or rental application process. The company is through XXXX rental applications used by XXXX properties in central Virginia and surrounding areas.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX, XXXX XXXX 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 that a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer. 

15 U.S.C 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 

15 U.S.C 1692 2 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Mortgage

I have a mortgage with Select Portfolio Services. I called the call center about recasting my loan. The woman who I spoke to was lovely. But she told me that my loan was not eligible for a recast. When I asked why I was not eligible, she didn't have any information to tell me why. I just want to know why I am not eligible to recast my loan.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I signed up for a promotional balance with Ally bank where they give you a % XXXX bonus upon putting money into the account and then keeping it there for a certain time period. So, I deposited my money, confirmed with their chat that I was enrolled in the plan, and then left my money there. But I never received the {$500.00} bonus. 

I contacted Ally many times. After communicating with them couple of time by message, they can't find any way to deny my bonus ( as I did transferred the money into my account and then opened a XXXX of {$50000.00} ). Then their agent told me that " Upon review of your profile, I can see that you were not enrolled in the Cash Bonus Promo. Therefore, you do not qualify for the 1 % payout ''. I asked them that " Are you sure that is the reason - you were not enrolled in the Cash Bonus Promo.? " Their agent responded that " After an extensive review of your profile, I can confirm with XXXX XXXX XXXX certainty that you were not enrolled in our cash bonus promotion. '' Ironically, I still have the confirmation email received on XX/XX/XXXX which is tiltled " Good news : You're enrolled in the cash bonus. '' ( attached ). After I sent the proof to Ally, their agent has nothing else to say but to tell me that he/she will submit a request with a reference number of XXXX. Several months went by, they told me the same thing when I asked the status - NO UPDATES as of XX/XX/XXXX. 

What a joke! If you can't afford the bonus, just don't do it. As customers did fulfil the requirements, we are deserved the bonus. Would you, Ally, only {$500.00}?
Product: Credit reporting or other personal consumer reports

The problem is that they wont respond to me and every time I send them something asking them to check for inaccuracies they say I am someone else even though I send all of my personal documents. According to the FDPCA and FCRA everything has to be validated and reported 100 % accurately but this isnt the case.

So I have attached a letter that I want them to validate and verify and to make sure that it is reporting 100 % accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I filed a complaint with Equifax, XXXX XXXX, XXXX and I didn't receive a response back until back until XX/XX/XXXX. This date is way passed the 30 days time frame allowed. I am requesting these following items be removed from my report 1. ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These account is duplicate with multiple listing as open error please delete inaccurate. Below are the CFPB confirmation numbers to my claim. 

XXXX XXXX
Product: Credit reporting

I filed and re-filed the same dispute because I did not get notice clearly stating the results of their investigation. XXXX filed XX/XX/XXXX and investigation complete XX/XX/XXXX. no notice of result of investigation. Re-filed same complaint XXXX on about XX/XX/XXXX investigation complete XX/XX/XXXX. No notice of results received. Re-filed same dispute for 3rd time XX/XX/XXXX XXXX. Pending.
Product: Debt collection

I received telephone calls from a collection agency call Amcol not knowing what the debt was about because they refuse to give me any information in reference to whats being owe, scams of identity have already occur on my credit report and sent to wrong address. I file bankruptcy and all information is public record. Amcol say that they have information, what is it! I have been rebuilding my credit and with patience and paying on time XXXX XXXX score was XXXX was XXXX and XXXX XXXX now all three is below 622. I don't have a problem in paying what I owe just talk to me, without abusive behavior of threatening me, trying to intimidating because of the power the three bureau 's has given them over me.
Product: Mortgage

My husband and I tried to refinance our home XX/XX/XXXX. We went through the process with a lending company, provided our personal information, paid for the property appraisal and by XX/XX/XXXX or XX/XX/XXXX we were told that everything was just about complete and ready for final approval. So In XX/XX/XXXX I call the finance person handling our loan since we were approved and a check was being cut to pay off the current mortgage company, was it necessary to pay our XX/XX/XXXX mortgage and we were told no, to hold on to it. ( I have the email message pertaining to this ). A week later we were still waiting for final approval and the finance company needed additional information, which we provided and we were told everthing was going well that we should have final approval by the end of the week. We contacted the company again and more information was required, now it was our credit report and we were told that we needed to pay down one of our credit cards in order to get our credit score to rise. So we paid {$500.00} on one of our credit cards as requested. By now it 's XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX our credit file had been reviewed by this finance company over 6 times causing negative or points being taken off our credit score. XX/XX/XXXX I called our current mortgage company to explain what was going on and we were informed that they had reported that our mortgage payment for XX/XX/XXXX was 30 days late. I called the finance company that was processing our refinance and explained to him what was going on with the mortgage company and he claimed that he never told us not to pay our mortgage for XX/XX/XXXX and that this negative mark on our credit report would more then likely not help our refinance. After this conversation we did not hear back nor receive anything from the finance company until 30 days later. We received in the mail a letter stating that our refinance loan was approved but not used. So I called the person that was helping us with the refinance loan and he had no ideal what the letter meant, that he would look into it and get back to us, he never did. We also contacted him concerning the negative marks on our credit report from the many unecessary times that they had to run our credit report and the negative mark from the late mortgage payment, he said that he would assist with writting a letter concerning what had transpired, he never did. He referred us to a credit repair company which is now going to cost us {$1500.00} to repair the mess caused by this finance company 's lack of follow through. So now we are out of the {$470.00} appraisal fee, {$500.00} to pay down the credit card, additional fees charged by our mortgage company for the late mortgage payment, negative credit ratings and being required to pay {$1500.00} to fix something that the refinance company was responsible for due to their bad advise and unorthodox operating procedures, which has left our family with a financial headache.
Product: Credit reporting or other personal consumer reports

The following credit cards and credit card accounts currently listed and showing on my Experian and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX but it is incorrectly listed as XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX TEXAS XXXX while my credit report shows an outdated address of XXXX XXXX XXXX XXXX, FL XXXX. I request that my current address be updated accordingly. 



Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any official document that displays my correct phone number.
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate reporting on my credit report regarding an account from XXXXXXXX XXXX XXXXXXXX ( Account # XXXX ). Upon reviewing my credit reports from all three major credit bureaus, I identified multiple inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). 

Inconsistencies in TransUnions Reporting : Date of Last Activity : XX/XX/XXXX ( XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX ). 
Date Reported : XX/XX/XXXX ( XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX ). 
Creditor Remarks : Charged off as bad debt. Canceled by credit grantor. ( Different wording in other bureaus ). 
Payment History : TransUnion does not report a history, while XXXX and XXXX report continuous charge-offs.

These inconsistencies violate 15 U.S.C. 1681e ( b ), which requires TransUnion to ensure maximum possible accuracy. Also, under 15 U.S.C. 1681i ( a ) ( 7 ), TransUnion must provide a detailed description of the verification process upon dispute, which has not been provided.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has improperly reported a charged-off debt as active and is attempting to double collect, which constitutes fraud under the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and Internal Revenue Code ( IRC ). If the debt was canceled or discharged, XXXX was also required to file an IRS Form 1099-C and confirm its cancellation status. Their actions violate federal laws and harm my financial standing. 

attached are : -ftc report -letter -credit reports before they were on and then, currently on
Product: Debt collection

I have asked the debtor ( Navient ) in writing to cease all calls. Navient still calls me after I have wrote in writing not to. They calling me before XXXX. I received several calls from them. XX/XX/2019 first attempted call of the morning, was at XXXX first law they're breaking. They kept calling all day about 3 times. Twice on XX/XX/XXXX. Once on XX/XX/XXXX and once on XX/XX/XXXX. The numbers they are calling from are XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX. They also keep emailing me. This is starting to get annoyed. They keep harassing me. I do have rights under 15 UCS 1692d ( 5 ), 15 USC 1692c.a ( 1 ), 15 USC 1692 ( c ) ceasing communication. 15 USC 1692g.a ( 5 ) ( b ).
Product: Credit card

Capital one Account closed on XXXX Im still being charged for an account being closed and they are still charging me a late fee for this account. 
Also to inform you, that my account was closed without my knowledge.Supposedly due to suspicious activitys.In which I didnt have any information or was contacted about this matter.I called them about the issue and they told me on the phone.
Product: Credit card or prepaid card

in XX/XX/XXXX I called Bank of America and asked if my credit card XXXX XXXX XXXX XXXX had any 0 % interest offers. I was told yes, by the agent I was talking too. I told him I only wanted a check that could be deposited into my Bank Account.for cash. 
He sent and I received check # XXXX. 0 % interest rate until XX/XX/XXXX Offer ID XXXX XXXX which must be used by XX/XX/XXXX. 

On XX/XX/XXXX I deposited into my chase personal bank account ending in XXXX the Bank of America check # XXXX for {$8000.00}. 

It was not until XXXX of XXXX that I noticed that I was not receiving the 0 % interest on the {$8000.00} as promised. I called the bank and was told that because I deposited the check for cash I was not eligible for the 0 % interest rate. Over the past 2 months I have talked to three managers. The first two said they would get back to me and never did. The third manager Ms. XXXX XXXX replied to me yesterday XX/XX/XXXX. She said she had a best offer which is reducing the current interest rate of 14.99 to an interest rate of 11.99 on the {$8000.00}. I asked if she would put it in writing and she said " no '' In summary I am very upset about this matter. I feel cheated!! 
Thank you for your attention XXXX XXXX XXXX.
Product: Mortgage

From XXXX? 
XXXX Fraudulent practice, history with PROOF XXXX XXXX XXXX XXXX award Mismanage escrow affects, my tax info, my future, my past! 
Sold my loan twice in XXXX months, exacerbated the situation *As result FEES passed onto ME Misapply payments Misrepresented the account information/statements Currently XXXX  days past due for XXXX Yet Servicer has me at {$12000.00} past due Pass cost of mismanagement onto me Please note the documents are saying I dont have authorization to forward?
Product: Debt collection

OpenedXXXX XXXX, 2020 ( XXXX yrs, XXXX mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Original creditor nameXXXX XXXX XXXX Fidelity Collectons have reported this same {$200.00} radiology bill on my credit report XXXXwo times and it was the same service and paid for by WV Medicaid
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Product: Credit reporting or other personal consumer reports

I am submitting in response to the recent investigation. I disagree with your findings and request complete accuracy. I am not convinced that sufficient efforts were made to contact the creditors reporting this information on my report. Therefore, I am asking for more information regarding the specific accounts in question : XXXX : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$XXXX} XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$XXXX XXXXXXXX XXXX Balance Owed : {$XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$XXXX} XXXX : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$XXXX XXXX XXXX Balance Owed : {$XXXX}. As previously mentioned, under the provisions of the Fair Credit Reporting Act ( 15 U.S.C. Section 1681i ), please reinvestigate and update these disputed accounts. You have fifteen ( 15 ) days from the receipt of this letter to complete these actions, as required by 15 U.S.C. Section 1681i ( 5 ) ( A ), unless you notify me otherwise. Failure to verify within this timeframe constitutes non-verification, and the items must be promptly updated in accordance with Section 1681i ( a ). In accordance with 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, please notify me once the accounts have been updated. Upon completion, please send an updated copy of my credit report to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have been opened fraudulently without my consent. According to the fair credit reporting act section 109 these accounts must be removed or I will pursue legal action. The first fradulent account opened was XXXX XXXX XXXX and it is dated opened XX/XX/XXXX and the total charges are {$430.00}. The second fraudulent account is XXXX AND ASSOCIATES that is dated opened on XX/XX/XXXX and the total fraudulent charged are {$770.00}. I demand these accounts be removed immediately.
Product: Credit reporting or other personal consumer reports

I provided the company Experian with considerable information regarding lifting a credit freeze they have on my credit report, and they are still insisting that I send them my passport and driver license over the mail. I am reluctant to do this especially given their record on lapses. I have a above XXXX credit score according to my bank and Experian has already caused rejection of two credit cards because of their freeze. 

Some time ago I cancelled my account with Experian, and possibly this is retaliation or a means for me to reopen my account. Given their history and my experience, I do not want them as a credit agency if closing an account is an option.