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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$2400.00} XX/XX/XXXX NOT PROVIDED XXXX {$670.00} XX/XX/XXXX XXXX XXXX XXXX {$190.00} XX/XX/XXXX XXXX XXXX XXXX {$58.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

On XX/XX/XXXX I received a notification from XXXX XXXX monitoring that a collection account was placed on my credit report. The collection account states National Recovery Agency placed a collection account on my credit report referencing that I owe them {$160.00}. I have never received any written notice stating I owe a debt or allowing me to exercise my consumer rights to ask for validation of the debt that is claimed that I owe. These practices are deceptive and violate my rights. Under the law a collection agency is required to contact a consumer in writing about an alleged debt and provide the consumer with the write to challenge the debt which would provide me with the name of the creditor, a statement that unless states I have XXXX  days to dispute the debt before the agency will assume the debt is valid. This company fraudulently placed this collection on my credit reports that is not owed by my person. I am asking this company to DELETE this collection account immediately because my rights were violated. Please provide me with Validation of this debt as well as : 1.an affidavit from the original creditor that allows you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges and a list of charges that total the amount claim 4. Proof that the statute of limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 5. Show me that you are licensed to collect in my state and your license numbers and REGISTERED agent information. 
Your offices have reported inaccurate information to my credit report and I am ready and willing to bring legal action if this is not deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the negative credit reporting to my credit report. I have worked hard to not have any negative credit reporting from Midland Mortgage. A stop payment was put on my account by my bank XXXX XXXX that I did not authorize. I paid my mortgage before it was 30 days late. When the payment was returned because of the stop payment. The bank realized that the stop payment was not authorized and removed it. I sent the payment the next day and it was paid. I sent my mortgage company a copy of an email from the bank saying that the stop paid was not authorize and removed. I asked the mortgage company to remove the negative reporting from my credit report because this was not my fault. 

Also, I have negative reporting status while I was under a modification plan. I do not feel that I should still be reported 120 or later while I was completing a modification plan. I was out of work 13 weeks and was late on my account. I had XXXX XXXX.
Product: Student loan

I have applied for loan cancellation for teachers XX/XX/XXXX. It was denied because it was stated that I attended XXXX University from fall XX/XX/XXXX-XX/XX/XXXX. In XX/XX/XXXX I attended XXXX XXXX. XXXX XXXX XXXX University XXXX XX/XX/XXXXreceiving degree in XXXX  XXXX. after retiring in XX/XX/XXXX I was informed last year by Navient loan services my loans could not be consolidated. I sent them documentation pertaining to the amending of the pre XX/XX/XXXX laws concerning XXXX loan forgiveness. My documentations have been denied. But I have been sent loan repayment statements and is expected to pay {$450.00} per month. Last year I qualified for .XXXX  dollars repayment according to my IBR payment. I am XXXX years of age and have worked in both XXXX XXXX and XXXX for XXXX XXXX. I do n't understand what is happening to consumers today. They work for poverty wages and pay their loans also. Why have greedy loan serving company being able to force us to pay until we reach age XXXX before my loan are forgiven.
Product: Mortgage

Mortgage Refinance TRID Fees Issue : I had refinanced my current mortgage from XXXX to Quicken Loans ( Loan # - XXXX ). The Closing disclosure that my wife and I signed on the Closing date of XXXX ( attached here for reference ) had closing cash to close amount from borrower as {$8200.00}. The money that was withdrawn from my bank account on XX/XX/2020 through ACH was for {$8400.00}. I have been chasing different people at Quicken Loans from Loan Officer, Closing team, Client Relations team since then and I am now being told that the difference is because of 2 additional fees that was added during Closing. These fees were never disclosed to me in the 4 Loan Estimates ( LE ) documents or the first Closing Disclosure ( CD ) that was sent to me on XX/XX/2020. Even the CD that we signed on closing date did not have these fees. Per TRID guidelines as per my understanding these fees can not be added or increased beyond 10 %. Section-B Deed preparation fee of {$130.00} ( 0 Tolerance per TRID guidelines ). Section-E Recording fee increase from {$120.00} to {$190.00} ( 10 % TRID tolerance so should only go upto {$130.00} ). 
Hence, Quicken Loans has sneakily added or increased unwarranted fees at the last minute against TRID fee guidelines and forcing me to pay for it. Their explanation was that their settlement services company had put on additional fees for doing additional documents because of Living Trust deed. But I have told Quicken about this from day-1 and have attached emails to support this as well. So Quicken Loans did not disclose any of these fees in Loan Estimate or in Closing Disclosure so they can not assume that I can pay additional fees on the day of closing because they did not follow process or do their job properly. Therefore I am requesting for the difference of {$210.00} to be refunded to me as soon as possible.
Product: Debt collection

XXXX sent an unpaid portion of a final bill to collections and I accepted a settlement offer and in return for cashing the check it was agreed upon that they would remove the item from my credit, they cashed the check and left the item showing unpaid and open on my XXXX report,
Product: Credit reporting, credit repair services, or other personal consumer reports

**I HAVE NOT SUPPLIED PROOF UNDER THE DOCTORINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT IN FACT EXISTS** The Fair Credit Reporting Act, as defined in 15 USC 1681 section 602 a, emphasizes the importance of consumer reporting agencies conducting their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. In line with this, Transunion, XXXX and XXXX are consumer reporting agencies, and as a consumer, I hold the right to safeguard my private information, which is reinforced by 15 USC 6801. This act asserts that financial institutions, including " Furnishers of information to credit agencies, '' must continuously uphold customer privacy and protect the confidentiality of their nonpublic personal information.

According to 15 USC 1681 section 604 a section 2, consumer reporting agencies can furnish a consumer report only when instructed in writing by the consumer concerned. As such, I have not given my consent, verbal, non-verbal, written, or otherwise, to Transunion, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, or any other furnisher to disclose my information. 

Moreover, 15 USC 6802 ( b ) ( c ) specifies that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to exercise the option of nondisclosure. In my case, both XXXX XXXX XXXX and XXXX XXXX failed to inform me of this right, violating the law. 

Furthermore, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse items of information in a consumer report, such as records of crimes that date back more than seven years. The reporting of this account as an adverse item without my permission is, therefore, against the law.

In addition, 15 U.S. Code 1681s2 ( A ) ( 1 ) A states that providing inaccurate information to a consumer reporting agency is prohibited. Transunion, XXXX, and XXXX have failed to maintain reasonable procedures to avoid such violations, as required by 15 U.S. Code 1681e.

Lastly, as stated in 12 CFR 1016.7, I retain the right to opt out of any reporting services at any time. Consequently, I am choosing to exercise my right to opt out of your reporting services.

In conclusion, it is crucial that all parties involved in consumer reporting, including Transunion, XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX adhere to the laws and regulations outlined in the Fair Credit Reporting Act to ensure the fair treatment and protection of consumers ' personal information.
Product: Checking or savings account

I started using Chass XXXX XXXX  to take credit card payments from Customers and a Customer paid me {$15000.00} for work we completed for him and Chase/WePay has not deposited it into my account. Instead I received notice that they closed my account and will hold my {$15000.00} for 120 days. 
I am a XXXX XXXX. I rely on that money to run my business and support my Family. I now have a negative checking account balance, can not work because I cant buy gas, cant buy food for my Family and all my bill payments are bouncing. I can not buy materials for work or get gas so I have to sit home, hungry and not do anything. My Health Insurance payment failed last week because of this. My Wife NEEDS our Health Insurance for XXXX XXXXXXXX XXXX. Chase and WePay are going to make my XXXX XXXX and put her XXXX XXXX XXXX to steal money I worked for!!! Who gives anyone the right to take XXXX  XXXX of money I worked for ... XXXX XXXX  is A LOT of money and not {$100.00}. I don't know ANYONE THAT CAN HAVE XXXX XXXX STOLEN FROM THEM AND SURVIVE. 
I have a XXXX XXXX XXXX XXXX who can't eat or go anywhere because of This. Who is going to tell him why XXXX is so XXXX and why we can't make her better? Is Chase and WePay going to do that? I have requested to speak to supervisors and even their CEO and I am ignored. I will make this go viral and will share with the world how Chase doesn't care about their Clients and definitely doesn't support XXXX XXXX or small business. My entire world is ruined because of Chase and WePay so it's only right I make sure this world cancels them too and makes the stock drop down to XXXX
Product: Credit reporting or other personal consumer reports

I have noticed a hard inquiry on my consumer report with the following information : XXXX Important dates Inquiry date XX/XX/XXXX. this is an unauthorized inquiry I would like removed. I did dont provide permissible purpose for this inquiry under 15 usc 1681. This company does not have my express written consent to access my consumer report. I have called this company several times and they insist that I do not have an open account or any active applications. Credit inquiry must be pursuant to the last present FCRA. this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act I have noticed a hard inquiry on my consumer report with the following information : XXXXXXXX XXXX ( Finance ) XX/XX/XXXX, XXXX. this is an unauthorized inquiry I would like removed. I did dont provide permissible purpose for this inquiry under XXXX usc XXXX. This company does not have my express written consent to access my consumer report. I have called this company several times and they insist that I do not have an open account or any active applications. Credit inquiry must be pursuant to the last present FCRA. this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act I have noticed a hard inquiry on my consumer report with the following information :. 
XXXX ( Bank ) XX/XX/XXXX this is an unauthorized inquiry I would like removed. I did dont provide permissible purpose for this inquiry under 15 usc 1681. This company does not have my express written consent to access my consumer report. I have called this company several times and they insist that I do not have an open account or any active applications. Credit inquiry must be pursuant to the last present FCRA. this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act
Product: Payday loan, title loan, personal loan, or advance loan

They are charging a XXXX percent interest fee on a {$550.00} loan. They are stating that I owe them {$3200.00}.
Product: Debt collection

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX XXXX XXXX/ {$1200.00} / XX/XX/2022 XXXX  XXXX XXXX/ {$760.00} / XX/XX/2022 Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence, I want this to be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

I look at my credit report during the last XXXX month 's straight. XX/XX/year>, XXXX, XX/XX/year> XX/XX/year> and now XX/XX/year>. I noticed there is a lot of inaccurate and incomplete information on my report that has keep my score low. I sent a letter to Experian on XXXX 2024 asking them to investigate the completeness and accuracy. 

I didn't receive a response from them at all they didn't even try to fix it. They are breaking the Federal Law by not investigating the situation.

According to 15 U.S.C 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure accuracy of the information being reported concerning the individual about whom it is reporting on or relates to. 

So, I then asked Experian for the description of the investigation according to 15 U.S.C 1681i ( 7 ) : ( 7 ) Description of the reinvestigating procedures. 
A consumer agency should provide to a consumer within the guidelines of said description and methods they have not showed.
Product: Mortgage

Mr. Cooper / Nationstar Mortgage purchased the servicing of my mortgage. My loan is impounded for Taxes and Insurance. Mr. Cooper / Nationstar failed to pay the proper amount billed by my insurance company and by the time they discovered they paid the incorrect amount my insurance was canceled. Unbeknownst to me there has been no insurance on my property for the last six weeks. Because Mr. Cooper / Nationstar has done this on several occasions before my insurance carrier has canceled me and I was forced to purchase insurance from another insurance company at a higher cost.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I authorized a transfer of {$2800.00} to my son, XXXX XXXX, via my XXXX  XXXX XXXX Checking account, using the Bank 's XXXX online banking transfer tool. The recipient Dropdown for my son, XXXX XXXX, was loaded with a mobile phone number which I trusted to be his mobile phone number. However, that mobile phone number in the dropdown was off by one digit. My son 's mobile number is ( XXXX ) XXXX but the number shown in the XXXX dropdown was ( XXXX ) XXXX. I contacted XXXX  XXXX XXXX that same day after speaking with my son and learning that he did not receive the transfer and has no XXXX account, I asked XXXX  XXXX XXXX to correct the matter and return the {$2800.00} to my account. They explained that they can see the transaction in their system and that the error is not theirs and the funds appear to have been routed to an M & T Bank account but they can not identify the specific recipient. They said they will have their appropriate department investigate ( XXXX claim # XXXX ) and if indicated follow-up with M & T and hopefully the transfer can be reversed. Two weeks later I received a letter ( Dated XX/XX/2021 ) from the investigations Dept. at XXXX  XXXX XXXX saying, " Unfortunately we are unable to approve your recent claim because our records indicate that we completed the transfer according to the instructions you provided us, and therefore no error occurred. Based on this your account won't be credited. However, as a courtesy, we're researching your inquiry with the other party in an attempt to recover the funds for you, and will notify you if we need additional information. Keep in mind it may take up to 45 calendar days for us to hear back from the other party. If we receive any additional information from them we'll contact you. ''
Product: Credit reporting or other personal consumer reports

I reviewed the results that you have sent back to us after your investigations, I appreciated you for removing some of the inaccurately reported accounts, But it seems the investigation is not fully done, I still profoundly dispute the following remaining Accounts. These items are still reporting illegally which leads to great damage to myself. I would need your help to fix my credit. 

Based on my rights with the Fair Credit Reporting Act Section 1681i, I request you to re-investigate. I look forward to your reply and address my concerns right away! 

XXXX XXXX XXXX - XXXX and XXXX XXXX - XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN GOING BACK AND FORTH WITH THE CREDIT BUREAUS AND DISCOVER. I AM A VICTIM OF IDENTITY THEFT, IN XX/XX/2017 CREDIT CARD WAS OPENED IN MY NAME ( ACCT NUMBER XXXX ), AND DISCOVER ALLOWED IT. THIS HAS BEEN AFFECTING MY REPORT NEGATIVELY AND I HAVE SUBMITTED POLICE REPORT, FTC REPORT SIGNED AND NOTARIZED, DISPUTES, MY LICENSE, SOCIAL AND PROOF OF ADDRESS. XXXX HAS IGNORED MY REQUESTS FOR DISPUTES, PROVIDED ILLEGAL VERIFICATION OR VALIDATION OF THE DEBT. AT THIS POINT I AM WILLING TO GO TO COURT TO LITIGATE THIS MATTER AS I AM A VICTIM OF IDENTITY THEFT AND THIS COMPANY REFUSES TO ASSIST BY REMOVING THE ACCOUNT OFF MY CREDIT REPRTS ( ALL THREE BUREAUS ) I AM REQUESTING REMOVAL IMMEDIATELY OTHERWISE I WILL BE LOOKING FOR COMPENSATION FOR EACH VIOLATION AND EACH DAY THAT IT AFFECTED ME. I WILL ALSO BE FILING A COMPLAINT WITH THE FTC AGAINST XXXX, STATE ATTORNEY GENERAL, AND XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

Never removed or updated report 15 USC, 1681 i.a ( 1 ) ( A ) 15 U.S.C., 1681 s ( 2 ) ( A )
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX BANK XXXX XXXX Balance : {$1300.00} XXXX XXXX FIN XXXX Balance : {$1100.00}
Product: Checking or savings account

On XX/XX/XXXX I deposited a {$9400.00} check from my payroll company, because I was laid off. I deposited the check in the ATM. Not until after the transaction was completed did the receipt tell me a Hold was placed on the whole deposit, not just a portion. And the Hold was placed for over 7 days until XX/XX/XXXX. Without this money or a portion of this deposit it has caused my family and I a hardship, bills have bounced and more will bounce. I asked the bank can they make a portion available and they give me a scripted answer they are waiting for the check to go through a 3rd party verification, and maybe I should have direct deposit. And I explained I was laid off and this was a check given to me from the payroll company, and I previously deposited a check for a lessor amount a week and half ago from the same company and my direct deposit every week from my previous employer was from the same company but they would not budge. Furthurmore I asked if they would refund any fees associated with any bounced payments and they said " No ''. I even asked If I call the Payroll company and verify if the check has cleared their acct could they release the funds they said " No ''. If I had known a Hold was going to be placed I would have tried to cash the check before depositing in the ATM, I even asked the bank teller minutes after if I could get the check back and she said " No ''. As you can see from my attached receipt I was trying to make sure I cover my bills that were set to go through!! I bank with Bank of America
Product: Vehicle loan or lease

Tried getting a loan for my first car, kept getting denied even with a good credit score. Ive asked numerous times why this is happening but no one could give me an answer
Product: Mortgage

The Foreclosure of my property occurred while the loan modification review was taking place and in effect. MY lender continuously requested bank statements and pay stubs as well as any other supporting documentation, however, the lender did not cooperate with me nor keep your home California and proceeded to foreclose my property, I strongly believe that the Lender failed to comply with civil code2923.6 2924.10 2924.12 2924.18 2924.19 and both the state Senate and Assembly : AB278 and SB900 commonly known as " The Homeowners Bill of Rights XXXX XXXX XXXX XXXX XXXX stole my Hard Earned money a total of XXXX XXXX XXXX by lying to my as i just found out they have being doing to dozens of other people. they promised me a loan modification and they claimed to have attorneys and experts working on my case but they don't they forged my signature and committed bank fraud on my modification application by claiming that i collect government benefits in order to pay for my bills and mortgage payment, all of that information was false and was put in to the paperwork well after they tricked my in to signing blank forms.
Product: Credit reporting, credit repair services, or other personal consumer reports

Medical accounts reporting without my consent or knowledge. Thus violating my protection under HIPPA as required by the act of 1996. My sensitive patient health information is now being reviewed and sent between creditors subjecting me to scrutiny and physical, technical and administrative security.