23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

on the year 1995 I when to the bank wells fargo bank to make a deposit for XXXXand the person who help me with my money he tell me that I need to leave mymoney for one year so on the same year I have a problem with XXXX theytook my XXXX to come back to XXXX XXXX so I stay in XXXX for one yearso the next year I come back to XXXX XXXX so I lost my XXXX my letter from the bank orany information about the acct so I do n't have any information I when to the bankand I ask for my money they tell me is nothing or any record with my money or my namedor social security number I leave the bank very mad because no body tell how I can getthis money back so the time when on and move from XXXX about 5 years agoand I was going truth my paper and I was take out all the trush and I found informationfrom the I rs information about my money and I have XXXX also my old checking bookI star wirh the company XXXX company they said they do n't have any acct with thewells fargo bank I need to call them about my money and I have a bout 5 monthsand they said the state have because after 7 years they use the money they sand to thestate the state said the bank have a number or when they send to the state I fieldthe no body whan to tell me happen with this acct but I know I make this deposit and I was in here to make any decision on this money so I need the some body have torespond me about this matter I need to find where is this money I know is going to be 20years ago but the matter is the I make this deposit I have a person who when with mewhen I deposit this money and when I ask for this money she was with me at the timeso I need my money
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have found out there are some hard inquiries on my credit report that I do not have knowledge about. The dates for this actins taken was on XX/XX/2020 and the company names are Flagship Cree, and XXXX XXXX. I tried getting in contact with these two companies but still havent heard anything from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially filed a complaint XXXX. I want to file another complaint because this is an urgent matter. I must get my credit freeze lifted from Experian but NO ONE AT THAT COMPANY WILL TAKE OWNERSHIP AND HELP ME. I WILL ANSWER ANY AND ALL QUESTIONS TO VERIFY MY IDENTITY. NO ONE AT EXPERIAN WILL EVEN ASK ME QUESTIONS INSPITE OF ME PROVIDING MY DEMOGRAPHICS, INCLUDING SOCIAL SECURITY NUMBER. 

On XX/XX/20, after I provided an Experian rep all verification info., she asked me for an email address. I provided it to her. Her response was, " your email does not even generate questions for me to ask you to verify your identity ''. She said " you do not have an account with us. '' WHAT DOES THAT EVEN MEAN??? 

Of course, Experian has my credit information. I have worked for 47 years. 

I was not afforded the opportunity to answer any questions to verify my identity ( contrary to XXXX  and XXXX  ) The rep also stated I lifted the freeze on my account from XXXX XXXX, 2020. I DID NOT DO THAT!!!! If I did, I certainly would have remembered HOW TO LIFT A FREEZE AND WOULD DO IT AGAIN THIS TIME. 

I believe someone else lifted that freeze and Experian permitted it. NO ONE ELSE BUT ME HAS ACCESS TO MY PERSONAL FINANCIAL INFORMATION. NOW IT IS IMPOSSIBLE TO GET TO AN EXPERIAN EMPLOYEE WHO WILL ASK ME VERIFICATION QUESTIONS OVER THE PHONE. 

I UPLOADED VERIFICATION DOCUMENTS TO THE EXPERIAN WEBSITE ON XX/XX/20. NO ONE AT EXPERIAN CAN SEE THOSE DOCUMENTS. Why is that?? 

Experian is preventing me from refinancing my home. I am missing the opportunity for low interest rates due to Experian 's incompetence and obstructive business practices. Both XXXX  and XXXX  lifted the freeze on the SAME DAY I REQUESTED. 
Experian needs to do their job and solve customers issues caused by their incompetence.
Product: Vehicle loan or lease

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX and the date of the last letter was on XX/XX/. And now we are in the month of XX/XX/ and still nothing from them. That means XXXX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. Please remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00} and XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX  BALANCE {$0.00}. Please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

On XX/XX/2023 I spoke to someone at westlake financial regarding a payment arrangement for my car note in the amount of XXXX  the representative at the time assured me that my request was approved and I would not be charged any additional fees. On XX/XX/XXXX and the XXXX I received calls from this number ( XXXX ) XXXX - XXXX stating my account was past due and asking when I was making a payment I was never given this number as a contact reference from the dealership I brought the car from or the finance company. I called Westlake financial at XXXX XXXX  on XX/XX/XXXX and spoke to XXXX XXXX about my car note and I stated to her that I already spoken to a representative and made an arrangement to pay on a certain date she assured and stated to me on a recorded line that it was noted in my account that a payment would be made XX/XX/XXXX of XXXX also XXXX XXXX stated that effective immediately tomorrow I would not be receiving anymore calls from the ( XXXX ) XXXX - XXXX number anymore when I made her aware that I wasnt given this number by anyone at westlake or the car dealership she didnt confirm that was one of westlake financial numbers but instead she just got silent and said umhmm yea and proceeded to state that she would have to speak to a supervisor to get my request approved. After already speaking to a supervisor and representative 10 days before my request was already approved and granted but what XXXX XXXX mentioned to me was surprising she said I would have to secure that payment arrangement with a credit card or checking account the representative I spoke to on XX/XX/XXXX never stated anything about having to secure the payment he said I can just call their ( XXXX ) XXXX - XXXX number back and make a payment with a credit or debit card for the XXXX amount. Also the representative before XXXX XXXX stated that a {$5.00} dollar charge would be added on when making the payment over the phone with a credit or debit card and when I mentioned that to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX charge come from. I am starting to think Westlake financial is a scam company because its always something new every time I speak to a representative at this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

WHILE I WAS IN CHAPTER XXXX, MORTGAGE PAYMENTS THAT WERE MISSED WERE NOT REPORTED TO ME UNTIL THE CHAPTER XXXX DISCHARGED IN XXXX. 2015. XXXX NOTIFIED ME IN XXXX. 2015 THAT I WAS BEHIND WHILE XXXX HAD MY LOAN. WITHIN 3 MONTHS THE PAYMENTS WERE MADE CURRENT AND HAVE BEEN CURRENT SINCE THAT TIME. I AM ASKING XXXX TO PLEASE REMOVE NEGATIVE INFORMATION FROM MY CREDIT REPORT TO HELP MY CREDIT SCORE. I AM CURRENTLY INTERESTED IN REFI OR DOWNSIZING MY HOME. IT WOULD REALLY HELP IF THE NEGATIVE INFORMATION WAS REMOVED TO ALLOW MY CREDIT SCORE TO IMPROVE FOR BETTER INTEREST RATES.
Product: Credit reporting or other personal consumer reports

Filed lawsuit against them for their failure to comply with FCRA requirements especially refusing to comply with FCRA 605B which proper documentation was provided to them by my attorney. 

Failure to comply with FCRA requirements has resulted in the loss of XXXX XXXX and loss of XXXX XXXX XXXX XXXX XXXX XXXX. XXXX and XXXX have also contributed to the lack of XXXX not being made eligible for any credit products being that they were more concerned about their financial relationship with the bank ( trade lines ) than their compliance with the federal law. 

Refusing to suppress the XXXX XXXX XXXX XXXX XXXX and Refusing to Remove the XXXX plus fraudulent inquiries reported by their credit agency.
Product: Mortgage

We have an impounded mortgage account so our mortgage holder collects both our property taxes and our homeowner 's insurance and pays these. Our insurance agent contacted us onXX/XX/XXXX. She was unable to collect payment of {$1700.00} for our home owners insurance from our new mortgage company, despite contacting the company 7 times since XX/XX/XXXX. I contacted the company, Nationstar Mortgage, on XX/XX/XXXX to explore this issue and request payment since payment was due on XX/XX/XXXX. I spoke with an agent in the XXXX. She explained this often happens with new accounts and she would correct this. I contacted the company the next day, when I did not receive a confirmation phone call or the tracking number I requested. I learned there was no documentation in my account regarding the previous days call. I was informed my insurance company was not in their system and that was why they could not send payment. I spoke with both an agent and a supervisor and was assured the situation would be resolved and a check would go out on XX/XX/XXXX or XX/XX/XXXX. I was also promised a conference call with myself and my insurance agent the following day,XX/XX/XXXX, which did not happen. AS of today, XX/XX/XXXX, payment has still not been sent, despite both my insurance agent and I contacting the company again on XX/XX/XXXX and XX/XX/XXXX. However, I was told the check had been written and it would be mailed today. I am in jeopardy of loosing my homeowners insurance and seem unable to resolve this situation so I need help.
Product: Credit reporting or other personal consumer reports

These inquiries was not authorized by me and I did not communicate with this under the specified date
Product: Debt collection

Midland Credit Management have attempted to collect on a debt without validating it pursuant to federal law. They have also not responded to my cease and desist notice received XX/XX/2023 ( see attached exhibits ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am consumer overstanding my right 15 USC 1692. This is grounds for violation. I demand this to be removed from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've disputed XXXX XXXX XXXX on my credit report even sent in the police report and they still wo n't remove because I showed them it was fraudulent charges on the account and the account information was not correct
Product: Checking or savings account

I woke up on XX/XX/2021 to check my account for my direct deposit only to find that I couldnt log in because it says it has been closed. They say my money will be sent to me within 30days but others whove had the same happen to them recommended to file with CFPB because of delays and attempts to not return money. They closed my account with almost no Pre warning or explanation. Im filing to ensure that all of my money is returned to me in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is pertaining to XXXX XXXX XXXX XXXX XXXX - Account # XXXX Under the XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX found in Article 2 of their Consumer Bill of Rights, I believe that I am a candidate and qualify for them to make a business decision and close this account in question. 

Account # XXXX went into collections during the height of the COVID-19 pandemic months after I ( and many others ) was no longer gainfully employed due to massive layoffs. I was unable to maintain my credit card payments, despite attempting to resolve this with the original creditor. I disputed this collection once before, under natural disaster, after reading XXXX Consumer Bill of Rights, but to no avail. 

I am still XXXX  and XXXX XXXX XXXX XXXX  however it is extremely difficult to find positions in my field due to the derogatory mark that is left on my credit report, in addition to the credit score influx due to how the CR compilation companies model their credit scores. 

This account is now over 2 years old, and still has damaging effects on my ability to seek new housing, apply for credit, and more. I have exhausted all of my options at this point. Several other collection agencies have worked with me in this regard and have successfully allowed me to start anew. However, XXXX has continued to add interest, further damaging my credit score. 

In addition to the aforementioned, I ( as well as my mother and sister ) consistently receive harassing phone calls in an attempt to collect this debt - No other agency has behaved in this manner, nor treated me- the consumer- in this way. I would like the person reading this to take a look at XXXX Consumer Bill of RIghts Article 1.

I have conveyed that I not only can not afford to pay the balance, because I have no source of income, but I am unable to move on from this +2 year old situation due to it lingering behind me everywhere I go professionally. Hopefully I've communicated in a way by now that conveys how this has Inflicted a tremendous deal of emotional distress. I am asking/requesting for there to be no further collection activity, furnishing of account information to the credit bureaus, or sale of this account. In addition, I would like to ask the three CRA to be notified to delete this reference to the collection account in question. 

God Bless, XXXX. XXXX
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in several letters to XXXXXXXX, experian, and XXXX to verify XXXX that are on my XXXX XXXX and to show proof of verifcation and how exactly did they verify it. They refuse to show how they verified the bankruptcies to prove that they are mine. As a result it is affecting my credit score and causing damage to my reputation. I also sent in a letter from the courthouse to each bureau which states they do not release any information to third party companies.They still refuse to show how they verified the bankruptcies that are reporting to my credit report and damaging my reputation. This is willing negligence on their behalf and a violation of the FCRA. If they can't show proof of how they verified the bankruptcies are mine they should remove them immediatly as I have told them at least 3 times already.
Product: Mortgage

I notified AmeriHome that I was impacted by COVID-19 and had a reduction in income. AmeriHome informed me that I would have no payments due until XX/XX/XXXX however I got a statement on XX/XX/XXXX informing me that I was past due on my account. Not only did they tell me that I needed to make a double payment, they also charged me a {$160.00} late fee. 

I called the company and they told me they waived the late fee, but that is not satisfactory for a number of reason : ( 1 ) this is going to happen again next month and I was told that I'll have to call back in ( 2 ) this could impact my credit score if I'm reported as past due and ( 3 ) this could cause other customers in a similar situation to become  confused and feel like they have to make a payment when it is not required.
Product: Debt collection

I was first contacted by Sunrise Credit services on XX/XX/year> by phone about a debt to XXXX XXXX XXXX {$350.00}. In fear I told them I would pay, we agreed to make a payment plan but I didnt make the first payment. Today, XX/XX/XXXX I got a notification from the credit bureau XXXX there was a change to my report. I noticed it was a collection from sunrise, my father told me before I pay it I should receive a letter of debt validation and they have XXXX days to send it to me from initial contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX CONTINUES TO REPORT A BUSINESS CARD OPEN AND USED BY A CORPORATION AS MINE. DESPITE NUMEROUS LETTERS AND CALLS THEY CONTINUE WITH NO PROOF TO CLAIM AND REPORT IT AS MYCARD. 

XXXX CLAIMS CHARGES, PAYMENTS, CREDITS WERE BY ME. 

DEBT COLLECTORS REFUSED TO PURSUE ACCOUNT AFTER SPEAKING WITH ME AND REALIZING XXXX HAS LIED.
Product: Mortgage

Bank of America did not pay my real property taxes due on XXXX XXXX after the county in which my property is located split my property from XXXX parcel into XXXX claiming the parcel numbers had changed. This should NOT have been an issue as I had called BOA on XXXX/XXXX/16 to provide them this updated information and they instructed me to send the information via fax to their Mortgage Loan Servicing Department which I did. As a result of the initial non-payment I incurred penalties and interest on the late payment totalling {$100.00}. Bank of America assured me since it ws not my fault that the payment did not get made that I would NOT be responsible for the late fees and interest penalties. After XXXX phone calls to Bank of America they finally made my property tax payment on XXXX/XXXX/16. However they charged me the {$100.00} for these late fees and penalties. I have subsequently called Bank of America on at least 7 occasions from XXXX/XXXX/16 to get the {$100.00} refunded. Each time I have been assured my complaint has been " elevated '' and assured my escrow account would be credited within the next 5-7 business days. As of XXXX/XXXX/16 this has not yet happened. The representatives I speak to have repeatedly indicated they use a third party vendor and have put the request in to the vendor, yet the refund still has not occurred. This has been a frustrating experience as the time it takes to get through on the phone and the repeated holds they put me on while they check into the matter averages at least 20 minutes per time I have called. The current call I am on now has already kept me on the line for over 30 minutes while I try to escalate the problem to a Manager for a final attempt at immediate resolution. During my time on hold I have managed to complete this complaint filing