23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX Account # : XXXX DEPTEDXXXX  Account # : XXXX DEPTEDXXXX Account # : XXXXXXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 
According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act everything on my credit suppose to be accurate on my credit report 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 a account without my written instructions Also Equifax took more than 30days to complete my investigation. I sent Equifax my request to investigate XXXX retail Account number XXXX which they received XX/XX/2023, tracking number ; XXXX Equifax has the incorrect date opened, high credit balance incorrect, credit limit incorrect, last reported date incorrect, and the date last active incorrect.
Product: Credit card

US Bank falsely claimed to the CFPB and me that US Bank recorded XXXX calls, prior to XXXX XXXX, XXXX in which I allegedly participated. 
US Bank falsely claimed that " You ( sic ) correspondence also indicates that you have requested that we provide you with video surveillance of the transactions that you had previously claimed as fraud. '' in theirs to the CFPB and me dated XXXX XXXX, XXXX
Product: Student loan

I was in school. apparently had no knowledge of this private loan, nor the high interest rates. I was definitely pressured into this loan. Unfare practices and unethical.
Product: Credit card or prepaid card

I have a Bank of America Cash Rewards card. On XX/XX/2017 I used the Bank of America website to redeem enough award points to pay my bill in full. My next bill showed a late fee of {$25.00} even though my balance on the card was {$0.00} before the late fee. When I talked to Bank of America they stated the terms of the card are that you can not pay the full amount with reward points. In doing so you would occur a late fee even though the balance was {$0.00}. While this information may be in the small print I was able to pay the complete bill with rewards points on the Bank of America website without once receiving a warning that I would be charged a late fee.

After over 2 hours on the phone with Bank of America, where they initially denied my request to refund the late fee, they agreed to refund the fee but they said they could do nothing about the impact on my Credit Rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have tried to access my credit report on Transunion since XX/XX/2023 it keeps giving that message technical difficulties and try back. Today i tried and also spoke with 3 reps who told me to do different steps that did not work. Im trying to look at my credit report because i want to purchase a house this is holding me up. FCRA regulations are being violated and neglected. I also paid for my credit report which is only available until XX/XX/2023
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with confirmation of these corrections. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I have been a XXXX XXXX XXXX for almost 5 years, I HAVE ALWAYS PAID ON TIME EVEN THOUGH I FELL ON SOME HARD TIMES I ASKED THEM TO FORGIVE THE LATE PAYMENTS AS A COURTESY BUT THEY CLAIMED THAT THE LATE PAYMENTS ARE ACCURATE BUT THEY ARE NOT THEY NEVER PROVIDED ANY VERIFICATION OF LATE PAYMENTS NUMBER ONE NUMBER TWO I EXPLAINED MY SITUATION OF BEING WRONGFULLY TERMINATED, EVICTED FROM MY HOME, LOSING MY CAR, LACK OF UNEMPLOYMENT BENEFITS, MY FAMILY DISOWNING ME DUE TO MY LIFESTYLE OF BEING XXXX AND BEING USED BY SO CALLED FRIENDS!!! THEY LACKED A LOT OF EMPATHY AND EMPLOY XXXX XXXX XXXX ALONG XXXX XXXX  THIS SITUATION HAS BEEN DAMAGING TO MY XXXX HEALTH CAUSING ME TO XXXX XXXX XXXX XXXX  ALONG NO JOB OR HOUSING DUE THEM NOT REMOVING THE LATE PAYMENTS LIKE I ASKED, HOUSING FOR PUBLIC IS FULL AND MY SITUATION DOES NOT QUALIFY FOR A LOT OF ASSISTANCE PROGRAMS ARE LOW COST DUE TO THE SENSITIVE NATURE OF MY SITUATION!!!! THEY SEEM NOT XXXX XXXX XXXX XXXX XXXX XXXX AND THEY NEED TO REMOVE THE XXXX LATE PAYMENTS AND PAY {$160000.00} IN LOST WAGES!!!
Product: Money transfer, virtual currency, or money service

I had an account with PayPal for selling a variety of products, after almost 10 years of opening my account and giving them my business, PayPal decided to shut down my account with no explanation, in the email received it stated that I will receive back the funds in my PayPal balance within 180 days, its been almost a whole year and the funds where never deposited in my bank account, I was lied to by the company. When I called them I asked if the money went towards refunding any buyers and they said no that the company PayPal simply decided to take my funds away. My money kept in their platform was stolen away by them. I kept funds in PayPal, used it as a wallet and put all my trust in this company to make online purchases among other things. PayPal Holdings , Inc ( XXXX XXXX, California, United States ) has taken advantage of their business model to unjustly steal money from users including my money. There has been many times where I was wrongly charged-back for items that I delivered successfully, even with proof PayPal was never of any help. Their company is tyrannizing and using their power to take advantage of their users in the worst way possible by stealing their money with no explanation. I demand a full refund/return of my money. I have done nothing wrong but be a customer for almost 10 years. The amount PayPal has stolen from my account is {$1200.00}. I will not stop until this is resolved, the company has shown to be untrustworthy and I will not let this happen to me or anyone else.
Product: Credit card or prepaid card

Having had a credit card for some years with American Express we decided that since we have retired we no longer had use of their credit card. I called to cancel the card and learned that we have XXXX plus points that we earned over the years but were never given any information about the points until now. XXXX plus points have a significant dollar value and they refused to issue the points to us. 
We feel that those were our earned points and we should have them issued to us. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act. The accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 XXXXXXXX 15 U.S.C 1681 section 602 ( A ) ( 4 ) states there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for my right to privacy.

15 U.S.C 1681 section 604 ( A ) ( 2 ) states In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1681C ( A ) ( 5 ) states no consumer reporting agency my make any consumer report containing any of the following items of information : Any other adverse item of information, other than records 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 to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Mortgage

XXXX assumed servicing for TIAAs home financing products earlier this year. My 1st lien position HELOC was transferred to them on XXXX XXXX. Since that time, my payments have been misdated, misapplied, and now theres around {$19000.00} unaccounted for. I have reached out to XXXX and TIAA dozens of times for resolution, but sufficient answers have not been provided. TIAA has acknowledged that there are issues with XXXX XXXX of HELOC accounts, but Im just continually asked to be patient. This is the third month of constant problems, and my patience is exhausted. XXXX is violating the terms of my contract with TIAA, and TIAA doesnt seem keen to prevent further injuries.
Product: Mortgage

My mortgage was sold on XX/XX/XXXX. My former mortgage company auto-debited a half payment on XX/XX/XXXX. This payment was debited for a closed mortgage account. The bank was not authorized to take this money. The bank sent me a letter in XX/XX/XXXX notifying me that the mortgage was being sold and that the auto-debit would stop.

I contacted the bank. The person on the phone agreed that this payment was not authorized and is sending to a " transfer '' department. It takes three to five business days for the department to review the activity.

The bank was not entitled to the transfer. The bank lacks the internal controls to ensure that payments are not auto-debited from closed accounts. The bank will not process a refund immediately. The payment was in excess of {$2300.00}.
Product: Debt collection

I have sent the collection agency multiple letters. They refused to validate the debt. They never notified me it was added to my credit in XXXX. They refused to correspond at all in this debt. I HAVE DEBT VALIDATION WRITTEN LETTERS XX/XX/XXXX, XXXX XX/XX/XXXX AND XX/XX/XXXX. ERC removed one acct for {$67.00} but did not remove the other acct for {$270.00} for XXXX. XXXX, XXXX  and XXXX  refused to correspond to method verification that they actually reached out to the company and verified the debt. they have exceeded the 30 days under federal law to supply evident this is a valid debt
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXXXXXX 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

In accordance with the fair Credit Reporting act the account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. ACCOUNT IN REFERENCE : XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written. Instructions per the FCRA all information reported must be true and accurate
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Original Creditor Name : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Please block this information from my credit report, under section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may result from identity theft. Those responsibilities include ceasing to provide inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.
Product: Debt collection

Hello, I reached out to portfolio recovery associates, disputed this with the credit bureaus multiple times online and via mail, the credit bureaus continues to put remake stating I disagree if it meets FCRA guidelines but the creditor and credit bureau has failed to provide me with original signed documentations providing proof that this is my debt, all that Ive received is a list of transactions with my name on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXXviolated 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Freedom Mortgage is reporting me late XX/XX/2018 and they are in violation. They recently took over servicing of my loan from XXXX XXXX XXXX in XX/XX/2018. 
For one- there is a protection period once a loan is transferred for servicing : ( 1 ) Payments not considered late. During the 60-day period of the servicing of any mortgage loan,. a payment may not be treated as late for any purpose. 

For 2 : I had set up auto draft with Freedom already in XX/XX/XXXX and the XX/XX/XXXX payment was to be drafted. This was their error not mine. I am NEVER late on anything and have always had auto draft for my mortgage payments with XXXX XXXX and when you guys took it over it was a big mess.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2018, I SETTLED MY DEBT WITH XXXX   XXXX/XXXX. THE DEBT WAS SETTLED WITH XXXX  XXXX   XXXX, XXXX, AND I RECEIVED THE LETTER ON XX/XX/2018 STATING THE DEBT WAS SATISFIED, AND I IMMEDIATELY FILED A DISPUTE WITH ALL 3 CREDIT BUREAUS. EXPERIAN WAS THE ONLY ONE THAT DID NOT REMOVE THE SATISFIED DEBT, EVEN AFTER I PROVIDED THEM WITH THE LETTER STATING THE DEBT WAS SETTLED.
Product: Credit reporting, credit repair services, or other personal consumer reports

attached is a letter evidencing that this loan was paid off in XX/XX/2022 and it's still reporting negative on my consumer report incorrectly
Product: Debt collection

XX/XX/2020 XXXX XXXX  Midland Credit Management called me at work. I do not believe I had listed my employers number on any applications in the last 10 years so I was very surprised to have a call of this nature at work. I have in fact marked any and all boxes stating my work can not be called. I told them they can not call me at work, ever and in our state it is in fact against the law. he argued with me and told me that is untrue, and harrassed me to stay on the line with him. A coworker witnessed my end and went into managements office to report me. 
It is against company policy to receive phone calls of this nature and in my job position debt collection calls jeopardize my employment. Harassment from debt collectors has a zero tolerance. The company I work for will not only remove me from my position but will also initiate a lawsuit against the harassing agency. 
NEVER have I granted any agency permission to call my work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute online with EXPERIAN on XX/XX/XXXX against XXXX XXXX. Experian said they completed their investigation XX/XX/XXXX. Experian is still reporting my my account as 30 days past due. My monthly bill is due on the XXXX of each month. I paid my XXXX bill XX/XX/XXXX by money gram in XXXX as XXXX requested. At time of payment my account was 27 days past due ( see attachment ). XXXX has updated my information correctly sending in the same information to both consumer reporting agencies. EXPERIAN is also reporting my XXXX payment as PAST DUE when my bill for XXXX is due on XX/XX/XXXX ( see attachement ). On XX/XX/XXXX I told XXXX  REP XXXX that I will make XXXX payment on XX/XX/XXXX. Which Again that will not make me 30 days past due. This is deformation to my character and a violation UNDER. 6802. Obligations with respect to disclosures of personal information. states " that furnisher must not furnish inaccurate consumer information They broke that law In accordance with the fair credit act!
Product: Credit reporting

My complain refers to Equifax which incorrectly reports balances discharged in bankruptcy. More specifically, this refers to balances reported for credit cards issued by XXXX ending with XXXX and XXXX. I was trying to resolve it through Equifax however, Equifax does not let me to access my credit report although I answered security verification questions correctly. I was recently denied a credit card because of this incorrectly reported information.
Product: Mortgage

I have been trying to recast/reamortize an existing loan for about two months. XXXX/PHH mortgage has utterly failed to process the request. I have now requested a payoff quote and they do not respond. Here is the communication log that has failed to produce action on their part : XX/XX/XXXX XXXX XXXX XXXX XXXX minutes XX/XX/XXXX XXXX XXXX  XXXX XXXX minutes XX/XX/XXXX XXXX XXXX XXXX XXXX minutes XX/XX/XXXX XXXX XXXX EMAIL SENT Recast Letter XX/XX/XXXX XXXX XXXX  EMAIL RECEIVED Please allow 2 business days XX/XX/XXXX XXXX XXXX  XXXX XXXX minutes XX/XX/XXXX XXXX XXXX EMAIL SENT Follow up XX/XX/XXXX XXXX XXXX XXXXMAIL RECEIVED Auto response XX/XX/XXXX XXXX XXXX EMAIL RECEIVED Recast submitted, please allow 10 calendar days XX/XX/XXXX XXXX XXXX  EMAIL SENT Follow up XX/XX/XXXX XXXX XXXX EMAIL RECEIVED Auto response XX/XX/XXXX XXXXXXXX XXXX  EMAIL RECEIVED Still processing XX/XX/XXXX XXXX XXXX  XXXX XXXX minutes XX/XX/XXXX XXXX XXXX XXXX XXXX minutes XX/XX/XXXX XXXX XXXX EMAIL SENT Follow up XX/XX/XXXX XXXX XXXX EMAIL RECEIVED Auto response XX/XX/XXXX XXXX XXXX XXXX XXXX minutes XX/XX/XXXX XXXX XXXX XXXX XXXX minutes XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX minutes
Product: Debt collection

The first letter I received was back in XX/XX/2019 Amount : {$1000.00} I immediately contacted Capital Accounts and worked on making arrangements which I made a payment for {$80.00} soon to realize that it was the wrong Clinic I have never had nor seeked treatment from XXXX XXXX XXXX XXXX XXXX. 
I had an ankle injury and had treatment at another clinic in XXXX and I never bothered looking into it since I never been to the above mentioned place I assumed it was the clinic where I had treatment for my XXXX. 
I tried to talk to Capital Accounts, the Reps. Name is XXXX and she is very rude and unethical and I have gotten no were with them and now I have a Medical collection when I had perfect credit, this is so wrong in every way.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.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 Balance Owed : {$230.00} XXXX  XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$6600.00} XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance : {$930.00}.