23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 USC1681 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 

I ONLY provided authorization to complete soft credit checks. Credit Check Authorization : A soft credit check allows us to watch for updates and changes to your credit score with all three bureaus WITHOUT impacting your scores in any way. Providing authorization allows us to monitor your scores through soft checks for the next 12 months or until your scores meet loan requirements. This also serves as authorization to complete soft checks for your co-borrower if you have on. This hard inquiry 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.

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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, 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. 

IQ DATA INTERNATIONAL INC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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 vears.

15 U.S.C. 1681s-2 ( A1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

This is account is reporting inaccurate information XXXX XXXX/XXXX  # XXXX on XXXX, XXXX, TransUnion. 

On XXXX  reporting Exceptional History not late payments ; however reported as a Charge-off ... On TransUnion  reporting as " Unknown Payment History Charged-off as bad debt ''. Reporting on XXXX   with incomplete payment history and as Charge-off with a balance. 

Please remove this account as your violation of the Fair Credit Act 611 as this information is inaccurate.
Product: Debt collection

ARS has been reporting a collection account to XXXX for at least the last year, regarding a medical debt to XXXX XXXX XXXX for services dating from XXXX. 

When I look at the address ARS reported as associated with the debt, it shows an address in XXXX, XXXX XXXX, where I have never lived. This debt is n't mine. And I have never lived in XXXX XXXX or used any address there. The item does n't show on my XXXX or XXXX XXXX credit report, it only shows on XXXX. 

So, I disputed the debt via XXXX several times. XXXX says they contacted ARS, who " confirmed '' the debt is mine, although I was provided no information how ARS made this confirmation. How did ARS determine this was mine? Especially when the billing address is XXXX miles from where I live? 

ARS does n't seem interested in checking basic facts before reporting to what can effectively ruin my chances of getting loans. Despite it not being on either of my other reports, and despite nothing else on my credit indicating I 've ever lived in PXXXX XXXX.
Product: Credit card or prepaid card

DISCOVER CREDIT CARD HAS DECRESSED MY CREDIT LIMIT FROM {$2700.00} TO {$1300.00} DUE TO INACCURATE INFORMATIOM PLACED ON MY XXXX   XXXX XXXX. FROM FRAUDLENT CREDIT CARD INFORMATION REPOTED BY OTHER CREDITORS. WITHOUT INVESTIGATION OR DUE DILLGENCE OF THE CREDIT INFORMATION BEING REPORTED?.
Product: Checking or savings account

I have contacted Banner Bank by phone XXXX times to close my account. The first time was on XX/XX/XXXX in which I as told I could close my account over the phone and a check would be issued. Instead hey issued a check and left it open. They then charged me a service and to administer an account hat should have been closed. I called again on XX/XX/XXXX and told them what happened and demanded that a manager personally contact m via email or phone to verify the account was closed. The bank has done nothing but reverse the device fee charge and left he account open. The reason I wanted to close it by phone is because I told the bank I was moving and the nearest branch was an almost XXXX hour rountrip drive. This is unethical business practice to keep accounts open against their wishes for almost XXXX  months
Product: Credit reporting or other personal consumer reports

Consumer has also mailed complaint and judgement of default to California XXXX office. I have disputed listed accounts ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) with XXXX, XXXX and Experian. Experian continues to violate against consumer rights by failing to take action for consumer rights and properly handle consumer disputes. The other reporting agencies has removed these listed accounts but Experian has refused. Consumer has disputed these accounts repeatedly and consumer reporting agency continues to not properly handle disputes according to regulation. Consumer moves to file motion of default against consumer reporting agency Experian. Reason for this complaint is that Experian continues to report wrongful and disputed information on consumer report. Consumer has notified Experian of their constant violations and they have ignored consumer claims. Consumer seeks remedy in the amount of {$10000.00} and demand these accounts be removed immediately- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Violations includes 15 USC 1681a ( e ) meaning of investigative consumer report, 15 USC 1681a ( d ) 2 consumer report does not include transactions and experiences between consumer and person making the report, 15 U.S. Code 6801 protection of non-public information, 15 U.S. Code 1681b consumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : In accordance with the written instructions of theconsumerto whom it relates. Experian is in non-compliance and the CFPB must perform it's duties and obligation in taking consumer disputes seriously and holding these consumer reporting agencies accountable.
Product: Debt collection

My mortgage loan was transferred/sold from LoanCare to XXXX XXXX on XX/XX/2021. I was attempting to pay the loan off completely in XXXX of 2021 to avoid having to deal with the new loan servicer. 

XXXX XXXX is showing an unpaid principal balance of {$55.00}, XXXX. I have sent them multiple documents as proof of an unpaid balance of {$0.00}. 

I have provided all of these documents to XXXX XXXX. 

Please find attached : XXXX and XXXX bank Statements showing payments to LoanCare to pay off the loan. ( Attachments 1 and 2 ) A Payoff Statement from LoanCare dated XXXX in the amount of {$200.00} and an unpaid principal balance of {$0.00}. ( Attachment 3 ) A XXXX Monthly Statement from LoanCare showing large payments in XXXX and an unpaid loan balance of {$0.00}. ( Attachment # 4 ) A XXXX Monthly XXXX XXXX dated XX/XX/2021 ) from XXXX XXXX indicating an unpaid principal balance of {$55.00}, XXXX. ( Attachment # 5 ) Log of some of the many calls/emails to XXXX XXXX to resolve this. 
XX/XX/XXXX, XXXX-Received a digital payoff statement from XXXX XXXX ( Attachment # 7 ) and a Digital XXXX Monthly Statement ( Attachment # 6 ) XX/XX/XXXX, XXXX-Called and left a message and sent an email to XXXX XXXX about the status of my balance. 

XX/XX/XXXX, XXXX-Emailed XXXX XXXX and the Research Incoming address for XXXX XXXX a copy of the payoff Statement and the XXXX Monthly statement from LoanCare. 

XX/XX/XXXX, XXXX-Called and left a message for XXXX inquiring about the code change. XXXX called back and said the code change had nothing to do with the change to the unpaid balance amount. 

XX/XX/XXXX, XXXX-According to a soft pull of my credit report, I do not have a debt to anyone for a mortgage. It appears to be paid off. 
. 
XX/XX/XXXX, XXXX-Spoke to XXXX. She requested additional copies of the bank statements in PDF format. I emailed them to her. She also asked me to reach out to XXXX XXXX to inquire about the code being changed XX/XX/XXXX, XXXX-Made a third monthly payment for a loan that I was trying to payoff XX/XX/XXXX, XXXX-Finally got connected to XXXX XXXX, Executive Resolutions Team and sent her pictures of bank statements showing off paying down the loan in XXXX and XXXX. 

XXXX XXXX-Loan Balance changed from {$0.00} to $ XXXX ( Code was changed? XXXX XXXX ) XXXX XXXX Made 2 monthly payments for a loan with a {$0.00} balance to avoid late fees after getting a text from a debt collector XX/XX/XXXX, XXXX XXXX ( needed to change a code-thought they could pay off the balance from escrow ) XX/XX/XXXX, XXXX-Requested a payoff statement via email ( talked to different 2 reps ) one was never sent XXXX XXXX-Called XXXX XXXX multiple times inquiring about the status/balance of the transfer I am not really sure who is more to blame, LoanCare for not applying the payoff amount to the payoff balance ( they applied it to the escrow account ) or XXXX XXXX for not resolving the unpaid principal balance with all of the documentation that I sent them.
Product: Credit reporting or other personal consumer reports

Subject : Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of account number XXXX for my credit mortgage to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my mortgage have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 
I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Name de company : XXXX XXXXXXXX XXXX XXXXXXXX : XXXX Date of reported late payment : XX/XX/year> I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation.
Product: Mortgage

I have had an ACH Direct Transfer agreement with HSBC for the past 14 years during which HSBC has been withdrawing its monthly mortgage on time, uninterrupted. In or about XXXX 2017, without my knowledge, permission, or consent, HSBC stopped the transfers for reasons it refuses to provide. 

The attached HSBC Direct Transfer Policy, Section III ( ACH Revoke Authorization ), states that only the consumer can revoke this authorization. I have not done so. It remains valid. 

HSBC has refused to transfer the fund and has initiated foreclosure. If this all sounds absurd, it is. I am filing this compliant to find out from HSBC ( 1 ) why it stopped the Direct Transfer, ( 2 ) why it has damaged my credit, and ( 3 ) why it has initiated foreclosure. Simple questions. I hope HSBC responds.

Prior experience shows that HSBC takes complaints to CFPB as jokes and does not properly respond. HSBC knows that it can respond with a dog bone image, and CFPB promptly accepts it as a timely response and closes the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX requesting XXXX, Experian, and XXXX, to BLOCK and DELETE, IMMEDIATELY, all accounts, addresses, employers, inquiries, names, listed on my Police Report, below, Effective this Wednesday, the XXXX of XX/XX/XXXX, at XXXX XXXX, as a result of being a victim of Identity Theft, by losing my Birth Certificate, Drivers License, and Social Security Card XXXX at XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX. LITIGATION - I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX. I presume no evidence of the XXXX XXXX therefore exist. Peace Family XXXX : Also Known As : XXXX, XXXX, XXXX   Addresses : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX A ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Employers : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Experian : Name : XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX : XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX : Name : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Accounts : 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 Inquiries : XXXX XX/XX/XXXX
Product: Mortgage

This complaint is against New American Funding ( AKA Newamerican Funding ), whose address is XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX I have a mortgage loan with them which requires monthly payments of {$500.00}. 
On XX/XX/XXXX, I wrote a check ( No. XXXX ) in the amount of {$500.00} to Newamerican Funding for a loan payment due on XX/XX/XXXX. On or about XXXX, XXXX, a representative from Newamerican Funding called to inform me that they had not received the XXXX payment. I told them about having mailed it on XX/XX/XXXX, but they said it had not been received. In order to avoid late charges, I immediately made payment via debit from my checking account. I then asked what would happen if the check was eventually received. They said it would be credited toward principle on the loan. I said I did not want this and recalled them saying I would have to put a stop payment on the check ( Newamerican claims they reviewed the recording of the conversation and that the agent never said anything about placing a stop payment on the check. However, Newamerican refused to provide me with a transcript of the tape and refused to provide the name of the agent I talked with ). 
On XX/XX/XXXX, I placed a stop payment on the check to make sure that if it was stolen, it could not be negotiated. However, on XX/XX/XXXX, Newamerican wrote me that my most recent loan payment had been dishonored by the bank for a stop payment and that they were charging me a {$25.00} fee. Apparently the payment had shown up, and despite my discussion with Newamerican, they cashed it. IT IS IMPORTANT TO NOTE THAT NEW AMERICAN FALSELY STATED THAT THE CHECK WAS A LOAN PAYMENT. In fact the required payment had already been made and nothing was due until XX/XX/XXXX. 
On XX/XX/XXXX and XX/XX/XXXX I contacted Newamerican about the unauthorized {$25.00} fee. The most recent conversation involved agent XXXX XXXX and Supervisor XXXX ( refused to give last name, said his code was XXXX ). Both claimed that New American did not authorize a stop payment and that I had to pay the fee. 
Newamerican was not authorized to cash the check lost in the mail and was not due any money on the loan. Despite this, Newamerican knowingly and deliberately placed me in the position of having to pay late fees or stop payment fees in order to obtain funds they were not entitled to receive.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX has violated my rights. 
I looked at my XXXX credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

Received a letter dated XXXX XXXX, 2015 stating my CHASE Credit Card ending in XXXX was going to expire within the next two months. Since the card had not been used within the past XXXX years, they were closing the account when it expires. 

It went on to say if I would like to keep this account open, please call toll free and they would review. 

I called and after giving them my income and information they were willing to keep the card open at {$1000.00} limit whereas before it was {$6500.00}. They also went on and reduced my other XXXX cards from Chase as well taking the limit from {$5000.00} to {$1000.00}. 

What these actions have done is drastically reduce my credit score from good to below average of which I told them so, but they did n't care stating that was my problem. 

With banks doing this to customers no wonder people have bad credit scores and banks can charge more for loans when you need XXXX. This action also prevents people from acquiring a mortgage or car loan and needs to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and i got a letter stating, " They do not report any bankruptcies to anybody ''. So, if that's the case how did the credit bureaus verify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States : The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from the creditor of the consumer or from the consumer. 
They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 681 according to 15 USC 1681 section 602A. States I have the right to privacy. 

According to15 USC 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

According to15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting if the person knows or has reasonable cause to believe that information is inaccurate.
Product: Mortgage

according with previous case # XXXX my request for additional 6 month extension was not mention according to the website that I documented. I am receiving 5 months of forbearance initially. I am needing additional 6 months of forbearance to include XX/XX/2021. I am requesting this assistance from this mortgage servicer by XX/XX/2021, according to the HUD website https : //www.hud.gov/coronavirus/homeowners # : ~ : XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX, can % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX. 

This extension needs to be approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had account with a debt company that had a judgment that was paid in full and the XXXX  is still reporting as not paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX I agreed to pay a fee to enroll in a payment program, which decreased my monthly payments to XXXX from XXXX a month. Before the pandemic hit I was already set up for automatic payments by them thru their program. They took out payments with no issues. I called them on XX/XX/XXXX to find out why my payment was not made b/c the funds were there but I did not get answer. A few weeks later on XX/XX/XXXX, I get phone call from them saying that my account was delinquent. I immediately asked how? She then went on to say I asked for assistant. That's when I made it very clear NO I did not. If I wanted assistance I would have applied on line. The rep. then went on to say that I called and cancelled. AGAIN NO I DIDN'T. I then asked her to show me evidence that I called and cancelled. My phone records ( 4minutes ) will show where I called on XX/XX/XXXX but got no answer. I noticed a lot of charges that are repeating on my account along with accrued interest rates that are accumulating that I DID NOT make. I strongly believe that the way they have the statements printed is FRAUD. I was not getting paper bills, so I looked at my account online. Keeping up with Balance. That's when I realized XXXX dollars been debited from my account since 2018. Because I frequent XXXX that's local and they has it listed as if I drove 900 miles to XXXX. Big RED FLAG. It's definitely not identity theft, this is controlled from inside.