23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried reporting this information previously and it's coming to a point that I'm going to have to report this to the XXXX XXXX XXXX and to small claims courts or whatever judicial entity I have to file to. 

As I was reading in the FCRA and the FDCPA and I found many discrepancies to the information. I have not furnished the information they've reported on my consumer report. Based on 15 USC 1681, 1692, 6801, 6802, 6803 and 6804, Equifax, XXXX and XXXX have broken the law with reporting things on my consumer report that was not furnished by me, nor did I approved them to furnish any of the information on my consumer report. 

All of the information listed below are bringing damages to my name and my ability to acquire credit at a better rate/term situation. Therefore, late payments, charge-offs, collections, high balances, personal information and inquiries, etc... need to be removed from my credit file. Third party companies have no ability of approval to report these items on my consumer report. 

These are the accounts that are causing defamation to my name : Account Name XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information to Remove Name Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Inquiries Name Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I got calls for the collection department saying I hadn't made payments which I had made. The company has been taking my escrow and XXXX XXXX XXXX  payments monthly delivered by the bank. Member Home Loan stated they notified me of a payoff due. I requested a copy of the correspondence but it could not be provided. Instead I was pushed to sign a pay agreement stating I would pay the balance in XXXX days or be foreclosed on. I have attached a copy of the agreement I was told to sign.
Product: Debt collection

I have a debt collect from a apartment I stayed in from XXXX. I put in a notice to vacate 60 days prior I did a walk through and turned in my keys. Now two years later they are stating I broke my lease and caused damage that I didnt not do. I have asked for a list from it data international and the XXXX  and no one will give it to me. I never got anything from the XXXX  when I moved out. No deposit back. No summary are anything from the via mail email or call and they had my forwarding address. 

The companies involved Iq data international XXXX XXXX
Product: Debt collection

I was contacted by " The XXXX  Offices of XXXX XXXX XXXX XXXX XXXX ''. On research XXXX XXXX XXXX does not appear to be able to pratice XXXX XXXX XXXX. 

Additionally the debt they claimed that I ow was paid in full on XX/XX/23. They are claiming that isnt " the same debt despite no proof or written itemized bill.
Product: Mortgage

In XXXX I refinanced my mortgage with Logan Financial Corp and they informed me that I was in a flood zone and needed to purchase flood insurance. ( My original mortgage in 2017 did not require this. ) I purchased flood insurance for the first and second year, but they claimed I didn't and purchased insurance for me, adding the amount to my mortgage payment. This year they sent a notice stating that I needed to increase my coverage, so I started doing some research. I contacted FEMA, XXXX XXXX XXXX XXXX, and my XXXX  and discovered that I am not and have never been in a flood zone. I called Logan several times, emailed and mailed them all of the documents ( including their appraisal showing that I'm not in a flood zone ) and asked that they provide the flood zone determination documents. I also requested that they refund all money spent on insurance that I never needed. Eventually they sent me a determination document that expired in XXXX ( 2 years prior to my loan ) and a letter stating that FEMA changed the map and I am no longer required to have flood insurance. According to my research, FEMA has not revised the map of our area since XXXX. 
They will not admit that they made a mistake in requiring this insurance or provide a legitimate flood determination document, nor have they refunded my money.
Product: Mortgage

Freedom Mortgage is refusing to pay property tax I have an escrow account they have sent me a letter stating they will not pay it i sent them a copy of unpaid property tax and theyou continue to ignore my complaints
Product: Credit card or prepaid card

I have a checking account with a XXXX XXXX XXXX XXXX Bank : XXXX and I perform all my on-line bill pays EFTs through them. I have attempted to pay Capital One Bank XXXX XXXX XXXX months in a row. they send the payments back and charge me a late fee penalties in order to collect. I have never been late with this account ever. Bad banking practices. I now consider the account lost and stolen and they can go to court to collect the principle. I do n't understand turning down perfectly good money payments and do n't know what their problem is. My home bank at XXXX has the attempts to pay on record and can willingly submit them as evidence.
Product: Debt collection

On XX/XX/year>, I contacted XXXX XXXX XXXX to settle my debt. They agreed to a specific settlement amount and a payment deadline. However, when I requested written confirmation via email or any other method, they repeatedly told me they could not send it. 

After escalating my request to a manager, XXXX XXXX, he informed me that they could send a letter, but it would take several days to arrive. At the same time, he stated that the settlement agreement would require payment that same daymaking the written agreement useless by the time I received it. 

I called back the next day on XX/XX/year>, and was given the same response. Without a written agreement, I can not proceed with the payment, as I have no documentation to confirm the agreed-upon terms. Their refusal to provide written confirmation is preventing me from resolving my debt, which I am willing and prepared to do. 

I believe this practice is unfair and deceptive, possibly violating the Fair Debt Collection Practices Act ( FDCPA ) and Consumer Financial Protection Bureau ( CFPB ) guidelines by : Failing to Provide Written Confirmation Refusing to send a written agreement before requiring payment. 
Engaging in Unfair or Deceptive Practices Insisting on immediate payment without allowing verification of the terms.

Using Pressure Tactics Offering a written agreement that would arrive too late to be valid.
Product: Checking or savings account

I have been trying to work with Chase bank on closing out my mother 's ( XXXX XXXX ) bank account and having the funds distributed to the children in equal shares per law, and Chase is doing everything in their power to fight us on distributing said funds. The estate department at Chase has the death certificates for both my mother and father and that was not enough. So, Chase requested a small estate affidavit that the children sign and have notarized. This notarized affidavit was provided last Friday XX/XX/year>. 

Now, Chase is pushing back stating that my sister XXXX signed prior to 60 days of the death of our mother and they can't accept the form. This is ridiculous considering Chase is the party who requested we have this affidavit signed in the first place, and was willing to accept said affidavit when they suggested it weeks ago. Chase is the only banking institution of our mothers who did not simply distribute the funds to the beneficiaries per stripes. 

The estate will not be going to probate, so the funds need to be distributed to the beneficaries directly as there will not be an esate bank account created.
Product: Credit card

I had a credit card with GreenState Credit union that went to collections and was eventually charged off due to divoce. Green State Credit Union is reporting that I still owe the full balance on my credit report when this account has been settled for {$4900.00} and paid in full on XX/XX/23. In addition, I have tried to contact GreenState on XX/XX/23 but they have referred me to XXXX ( the collection agency ) who tells me that they have already reported to Green State that I have paid this account off and " would send an email to their Green State representative '' to find out why they haven't corrected my credit report. I have since called him back to follow up but have not heard back and my credit report is still wrong. Green State just keeps referring me back to XXXX but XXXX says that Green State is the company that needs to report the corrections to my credit report.
Product: Debt collection

XXXX client, XXXX XXXX is a victim of identity theft. She received an XXXX credit report listing an account with Wakefield and Associates that she was not familiar with. The account is associated with medical service ( s ) obtained from XXXX XXXX, and XXXX XXXX XXXX XXXX using my clients information without her consent. An offiical dispute of these accounts were provided to Wakefield and Associates XX/XX/2018 however as of this date no reply has been received from them or the original creditors with whom they were working on behalf of. Per FDCPA the collection agent has an obligation to share/provide the dispute information to the original creditor concerning matters of fraudulently established accounts. Wakefield and Associates have not contacted my client with regard to the status of this investigation of fraud concerning this matter.
Product: Credit reporting or other personal consumer reports

My complaint is against Experian Credit Reporting Agency for Failure to Remove Outdated and Obsolete and Inaccurate Addresses from my credit report/credit file. These addresses are Inaccurate, incomplete and unverifiable. I do not own those addresses ; they are not mind addresses. I do not live at those addresses. I sent XXXX ( XXXX ) separate dispute letters to Experian notifying them to remove those addresses, However, Experian have not removed them. Experian have XXXX ( XXXX ) different addresses on my credit report and credit file. I disputed XXXX ( XXXX ) of those addresses because I do not live at those XXXX ( XXXX ) addresses. I one all XXXX ( XXXX ) addresses to be removed from my credit report/file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX CO XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 15 USC 1681e ( b ), whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent letters and disputed online to formally dispute an unauthorized inaccurate inquiry that appears on my credit report. Under Law 15 USC 6801 non public information protected, 15 USC 6802 obligations with respect to disclose any personal info without my consent, 15 USC 1681b ( a ) ( 2 ) Permissible Purpose of consumer reports, 15 USC 1681i ( 5 ) Removal of Inaccurate Unverified Credit information, and15 USC 1681e ( b ) Compliance Procedures Maximum Possible Accuracy, the inaccurate information being reported breaks each of those laws, as a consumer by law this account must be removed. 

The reporting agency has failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). I asked the bureaus to Please provide validating documents to verify the account or delete this inaccurate account from my consumer report.
Product: Prepaid card

Direct Express has made my life XXXX  They ruined my life. They're the worst company ever. They lie and steal. They are holding my money and refuse to release the hold or send me a new card. I'm homeless living on the streets because of them. They're rude and hateful and nasty. They're very unhelpful. They tell me I need to send in my ID, SScard, and birth certificate so I did... like 6 times and it just wasn't enough. They rudely say it's not enough. This was 3 months ago. I've been homeless sleeping under a bridge ever since. DE is a heartless company. They're causing people to be thrown out on the streets. It's too late for me to get help. I can't afford it anyway. I just wanted to let everyone know how horrible DE is. They will rob you blind. They hardly ever answer the phone and IF they do, you're met with hateful people who don't know what they're doing. They're always in a rush to get off the phone. They hang up in middle of mid sentence. Thanks to DE, I spend my nights in the woods and sometimes in alleys or under a bridge. It's getting colder out. I'll never get another place to live because DE won't release my funds. They've stolen millions of dollars from the customers. These are XXXX people and the elderly. I've read so many horror stories about how bad DE is. As I said before, I'm not looking to get help at this point. I just wanted to let everyone know what DE has been doing for years. One of these days, if they haven't already, they're going to cause someone to die. Please put a stop to this. DE needs to be shut down forever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account with all # credit Bureaus more than once stating that this company is reporting inaccurate information and they still fail to investigate correctly. My response stated that the accounts have been verified as accurate which is incorrect. I also provided supporting information providing proof. XXXX closed my account on XXXX XXXX and did not give me the right to cure my default with them even though they mailed a letter out stating that i had until XXXX XXXX! Is this the type of practice that you guys allow but expect for customers to hold up their contract if they are not holding up to my rights?
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. 

XXXX XXXX IN {$3500.00} XXXX XXXX XXXX {$490.00} 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, 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 and crimes which antedates the report by 7 years.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681- Congressional findings and statement of purpose 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) 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.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and
Product: Vehicle loan or lease

I got a loan for a vehicle XXXX in XX/XX/2022, my first payment was due in XX/XX/2022, I paid it a month early and after this, they proceeded to mark me as late payment, my interest rate as spiked over the agreed interest rate and also dropped and raised again without being in agreement to any such interest rate spikes or regressions. Since the purchase of the car, I have made a total of 15 payments, totaling in at XXXX. The total amount I presently owe towards the car is XXXX, which means out of 15 payments of XXXX only XXXX has actually gone towards my principal. The remaining XXXX has gone towards interest. Not only has this lender been actively engaging in predatory lending they have also proceeded to incessantly call me two times a day if not three, as I had a change in work last year and I fell 1 payment behind, but had caught up 2 months later. I called the lender upon changing jobs and informed them that I wouldn't be able o make the payment that month and that I would plan on making it the following month, which I did. They have since then incessantly harassed me, locked me out of my account several times so that I would call them, Refuse to email me the terms of the loan agreement, its also not available anywhere on my login account on the website. They have also been reporting the history to my credit inaccurately resulting in my credit dropping around 150-100 points and the loan indicating I still owe XXXX on my credit, making It appear as if Ive made no payments resulting in a low XXXX  score and credit score.I feel like these practices are absolutely illegal and I am seeking guidance in proceeding forward with these issues, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed the attached enclosures to the three major credit reporting agencies disputing the negative report on my credit record. XXXX  and XXXX  received my mail and quickly deleted the debt from their record. 
XXXX  failed to follow their footsteps. Without stating a reason only stated " We have verified that this item has been reported correctly '' ( See the enclosed XXXX  response ).

Not sure what they saw or read that the other two reporting companies missed. The only thing I can think of is that they never bothered to read my submission.
Product: Checking or savings account

On XX/XX/XXXX I opened a bank account with BMO bank. I started the application process at XXXX and was finished by XXXX - but the remaining 10 minutes was used to try to figure out how to make the initial deposit of {$25.00} that was required.. I have screenshots of proof that this account was opened at XXXX and I had established an account number at that time.. I would like to see the time stamp at which the account was actually logged in with promotion as I did meet the time constraints.. I also then followed up with a representative ( which is recorded ) who assured me i was entitled to the promotional credit..my concern is that this bank is fraudulently monopolistic with false promises of honoring bonuses that they intend not to honor.. I have proof of the bank account being established! This bank has has the same on going promotion for years now and I know for a fact that they had a new promotion as of XX/XX/XXXX with the same exact promotion with a different code that could be entered or changed to still honor even if this was said to be 10 minutes late.. to the XXXX promotion instead as they offer is any new customer gets XXXX to set up new account as long as XXXX in ach transactions is received within 3 months..so my question is since this is ongoing why are they not able to honor it also they have now gotten my business and my monies to get ach into the account.. i kept my end of the bargain and they are not honoring theirs..this seems like false advertisement to me and unfair business tactics.. they have had this promotion for years advertising so i know they are constantly keeping it going on an ongoing basis and I was correct as I know because the other 2 accounts that were accidentally established thru their banking error have the code on them for XX/XX/XXXX opening as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied renters insurance due to two claims on my account that I have nothing to do with. The claimant is XXXX, XXXX and the dates are for XX/XX/XXXX  and XX/XX/XXXX  at the address XXXX XXXX XXXX ( with no city or state listed ). I have never been to this random XXXX XXXX XXXX and have never met a XXXX XXXX. I attempted to call LexisNexis which is the consumer report company that XXXX uses, and I can not reach anyone real to dispute this. Nor can I find anything on their website for disputing that doesnt bring me here to consumerfinance.gov. The false claim runs through the also false company XXXX XXXX and the policy number is # XXXX. The loss report reference number is XXXX.
Product: Student loan

As a currently serving member of the XXXX XXXX XXXX XXXX, I am required to maintain a favorable credit report history. It has come to my attention that there are items on my XXXX  credit report that I am in the midst of disputing. 

In the interim, I am also asking for your assistance in this matter. Specifically, the ( 5 ) aspects to this inquiry are noted below and all appear to relate to each other. 
My contention and recollection is that in XXXX, Key Bank may have transferred my education loans to a new servicer, XXXX XXXX. All payments were made to them. Then, in XXXX, I received a severance payment and paid off all said student loans in full. 

None of the institutions below could provide me with sufficient information from which to move forward toward any understanding of payment history or reflecting that the loans had been paid in full. Therefore, I am asking for your assistance and look forward to a resolution with your findings. Thank you for your assistance in this matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/22 I was scammed out of 300 dollars. I went to my bank, they told me to call call fraud they told me to talk to the bank, the bank then told me to talk to a third party. I did all these steps and have no answers and am still out XXXX dollars. I was selling a bike on a site, a buyer states they are interested. They claim to send me XXXX. I get an email saying my account get receive that and they have to send an additional XXXX they claim to i get another email saying they did and if I refund the XXXX I'll get the XXXX now. I send the XXXX and never get the XXXX. All I want is my XXXX back.