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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : 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 XXXX XXXX
Product: Mortgage

The Company Newrez LLC merged or took over SLS which was the prior servicer of the loan that acquired or serviced the loan from XXXX XXXX. This has been a disaster from the beginning. There was incomplete transfer of payment information. There has been no attempt or investigation on their part to complete that transfer. It is left to the customer to prove that they paid or double pay whatever payment information was not transferred over. They are alleging that I did not pay 2 months mortgage- XXXX and XXXX. I send them proof of payment- the receipt they sent to me of payment. they claim this was not enough. This has been going on since XX/XX/year>. I then sent them Bank statements from XXXX showing withdrawal each month of the mortgage amount to the company. They have gone silent. With no resolution of this issue. In the meantime, my credit score have gone from XXXX to XXXX. I am unable to refinance or apply for any loans to get out from under this nightmare and they are charging me late fees and all kind of fees while I am being held ransom by their incompetence or fraud or scam. I have been calling weekly since XXXX to get this resolved. The department- Loan Servicing Department that is supposed to be handling this does not take calls, only email and have has not responded to any emails- ever! I have sent multiple emails to supervisors, anyone who will listen ; Nothing. 
In the meantime, my credit scores that I have spent a lifetime building tanks! and I am unable to attempt to refinance because of the abysmal score. I usually take mortgages out with big banks and if I use a regional bank it is usually bought by a bigger bank. I have never heard of this servicer but this is the worst experience I have had with a mortgage. The absolute worse! They should not be in this business ; any business for that matter. 
They are untrustworthy! 
Who are their regulators! They need to be investigated! Something is amiss! All the dots aren't connecting with this company!

This is BASIC!!

The regulators ; SEC needs to go in with a fine tooth comb ; something is going on with this company!! 
XXXX
Product: Credit card or prepaid card

I purchased XXXX airline tickets frontier airlines on XX/XX/2022 to travel to XXXX airport XXXX XXXX Florida to depart from XXXX on XX/XX/2022, hurricane ian hit and airport shut down for one week.i used my Barclay credit card, i got refind XXXX XXXX. Yet i was looking at my Barclay credit card statement XX/XX/2022 statement and i was charged XXXX from frontier i immediately called bank. As i never ever received any documents that i was going to be charged. They told me to write a letter, i sent certified, i was bounced back and forth, i called XXXX. Barclay bank does issue credit cards for airlines. BARCLAY BANK IS IN COLLUSION WITH FRONTIER. I want my XXXX refunded no one could fly, there was no electricity, the airport shutdown over one week. Im over 65 years ol. I didnt cancell. Please shut down barclay card and fine them. Frontier airlines are scammer, but when your bank cheats you its pretty bad.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently closed my XXXX XXXX XXXX account, after which XXXX XXXX XXXX requested a credit report without my authorization ( for reasons unknown to me ).
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Payday loan, title loan, personal loan, or advance loan

I tried to reach out to the company to make payments. The company is permanently closed and doesn't have a contact phone number anymore. This is one of the judgements on my account stopping me from getting my licenses and I need this resulted as quickly as possible. 

Company name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> shows status on XXXX XXXXXXXX  Court shows the judgement as Dismissed No Funds
Product: Debt collection

I was approved for ACP benefits during COVID-19. I contacted XXXX XXXX XXXX  and they verified I could receive the discount. I opt for the lowest plan in order to effectively zero out Internet bills. I was contacted by phone to reapply since apparently the ACP expired. During this time I received no bill or mail from XXXX XXXX XXXX for over a year. One day my internet goes out so I call XXXX XXXX XXXX and the rep tells me I owe {$800.00}. I never upgraded, I didn't let the ACP expired, I never received a bill for XXXX XXXX XXXX until months after my service was disconnect. When I called to try to understand the situation the rep told me " just to pay my bill '' because apparently that is the only way to handle an error on their part. My internet goes out when I don't pay the bill. That doesn't even begin to explain how I could possibly have an {$800.00} bill on a free plan. Even if I didn't have the ACP plan and paid monthly, {$30.00} X 12 months is only {$360.00}. The only explanation that makes sense is someone made a careless error without double checking which account they pulled up. All I am very sure of is I did not upgrade ( because I wanted free internet ), I never received a bill in between {$0.00} to {$800.00}, I wasn't informed there could be a problem or that there was a problem, and I have been blown off by XXXX XXXX XXXX. The account is now in collections by a company who bought the collection. The collection provides zero information. I disputed it and the company just came back with the account has been verified without providing me a single shred of information. The account was bought by XXXX XXXX  XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my TransUnion credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT Name is XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX, CA XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 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. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my
written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, XXXX, and TransUnion ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft.

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report 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.
Product: Checking or savings account

Sofi Bank issued a freeze on my account and hasn't lifted it after multiple attempts and communications
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019, I went in to get an auto loan. The dealership ran my credit and long story short, I left with a newly purchased vehicle. A while later when my credit report updated, I expected only to see one hard credit inquiry, but instead I saw a total of 5 hard credit inquiries added to my report for the same thing. Based on some advice from realtors and colleagues, I should be protected from multiple hard credit inquiries for the same type of inquiry on the same day. 

The inquiries are as follows : XXXX XXXX, NC XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX, TX Ally Financi XXXX, MN XXXX  XXXX, TX
Product: Credit card

Bank of America charged me twice for a balance transfer. The first charge was correct ; the second charge was in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, XXXX has reported late on my credit report on XXXX XXXX, and they didn't have them my consent to report these items, I need them removed immediately. They are in violation of U.S. Code 1681B ( A2 ).
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I spoke with a representative at Transunion to remove negative items on the report due to inaccurate and unauthorized inquires that continually show in the report.

Also requesting rep to correct misspelling of my name and unknown addresses on the report to report 100 % accurate and truth.

The representative ensured that the information would be removed and I would be given an update. 
# XXXX transunion call on XX/XX/year> 2024
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Transactions from Consumer Report as per FCRA Dear Sir ( s ), I hope this letter finds you well. I am writing to formally request the removal of particular transactions from my consumer report, as outlined by the Fair Credit Reporting Act ( FCRA ) under section 15 USC 1681a-2 ( a ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; And 15 USC 6802 B ( 1 ) ( 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 ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Below is/are the details of the transaction ( s ) I demand be excluded from my consumer report : XXXX XXXX XXXX 
XXXX XXXX XXXX XXXXXXXX I believe that these specific transactions should not have been reported on my consumer report, and it is my understanding that the FCRA empowers me to request that these transactions be removed because I was never contacted by your organization to inform me that you may disclose non personal private information to a non affiliated third party, also transactions between the consumer and the person making the report is to be excluded from my consumer report, regardless of its validity. 
According to 15 USC 1681, consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Thank you for your assistance in resolving this dispute. I look forward to a prompt resolution and the correction of my consumer report. 

Thanks,
Product: Credit reporting or other personal consumer reports

I

formally request an investigation into these unauthorized inquiries and ask that you provide documentation regarding their origin. Please include all pertinent details, such as the name of the entity responsible for the inquiry and any records or consent forms that demonstrate my authorization for these actions. Since these unrecognized inquiries may harm my credit score and financial stability, I urge you to
address this matter without delay. Your prompt attention to this issue would be greatly appreciated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 USC 1662 ( b ) violations from every reporting agencys after numerous cpmplaints still not corrected report is not fair or equitable and as a result i have been denied credit time and time again. I want complience and actions taken and fines imposed as per UCC is public law 72-10 not apply how about HJR 192, UCC 3-603 , I demand validation of all debts and XXXX, XXXX, Equifax, XXXX XXXX XXXX XXXX XXXX need corrected immidiatly its my god given right to get access to unlinited credit but due to incorrect info and no oversight or action or any help just keep me from accesing credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully going over my credit report I noticed there are accounts on my credit report that are reporting inaccurately. On XX/XX/2020 and XX/XX/XXXX I wrote Experian they failed to reply within 45 days to verify these inaccurate accounts. Please delete and block these negative accounts from my credit report, they are causing serious harm.
Product: Credit reporting or other personal consumer reports

A collection added in is directly affecting my finances. It is unethical, incorrect, and not being reported. This account should not be on my credit. 

XXXX and Equifax : Account number XXXX. MUST BE REMOVED NOW XXXX : XXXX account number has never been late. This late payment MUST BE REMOVED FROM XXXX immediately. 

I disputed XXXX capital on XX/XX/2023 as well.
Product: Mortgage

I have a Mortgage with Carrington Bank and I have made every payment on time every time up until the pandemic hit. We were offered by Carrington Forbearance on the loan and we were advised at the time that when the forbearance period was up they would add the time we didn't make payments to the end of the loan. This would be perfectly acceptable to us. Our daughter used forbearance and her company made it very easy for her by simply adding on the missed payments to the end of the loan very simple process. Suddenly in XXXX of this year without any notice guidance etc., we received notification we needed to catch up ALL missed payments. We immediately began making payments again and we were advised we had to pay $ XXXX immediately to avoid foreclosure. We paid the $ XXXX. We were basically threatened with foreclosure on day one of being notified payments had to resume and payments missed were now amount due immediately. Several calls and we got in touch with XXXX at Carrington. He advised us to take advantage of XXXX  XXXX the XXXX program which would pay the balance to get us caught up. We applied same day followed every request to the T and we've been in a runaround for 4 months now. I have emails to prove above.
Product: Debt collection

I have an outstanding collections account with Midland Funding LLC. The debt was reported on XX/XX/XXXX. My husband started a XXXX  and when we lost everything he XXXX XXXX leaving me with a huge amount of debt with no options to immediately repay it. 

I have made no payment on this account or worked with them in any way since they took over the debt. On XX/XX/XXXX they added {$3.00} interest and reported it as if the debt was new debt on XX/XX/XXXX causing my credit score to plummet 46 points. 

While I can't repay them at this time, I have been trying to clean up my credit but I'll never be able to when they report the old debt as current and I think this is a pressure tactic for me to pay them. I would but I can't and their actions make the situation even harder on me. 

I don't think their actions are legal or fair as my credit was just starting to improve and they have reset my situation to what it was 2 years ago.
Product: Credit reporting or other personal consumer reports

My credit report with Experian shows that I have student loan balances with XXXX of {$14000.00} and {$51.00}. These loans were transferred to XXXX and subsequently forgiven under the PFSL Forgiveness program. XXXX shows that the balances are XXXX. I spoke with a representative from XXXX and they states they would submit a retraction of the incorrect balances and agreed that these loans were transferred and are at a XXXX balance status. They subsequently sent a letter saying something different which I will attach to this dispute later. XXXX shows that my student loans have a XXXX balance, while Experian and XXXX continue to show the balance with XXXX. I have disputed these charges multiple times and each time my credit score seems to go lower.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent letters to all three credit bureaus asking them to verify the debts on my credit report. I received a response only from XXXX XXXX on XX/XX/XXXX. XXXX removed three accounts from my report due to inaccuracies. There are also two other accounts which still show inaccuracies. In accordance with the Fair Credit Reporting act, these Accounts has violated my rights.

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 XXXX  Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, And XXXX XXXX XXXX Account 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 instructions
Product: Money transfer, virtual currency, or money service

I'm filing a complaint against Cash App ( Block , Inc. ) Due to the inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

I had Wells Fargo for my auto loan from XXXX. I saw something about them settling a lawsuit for charging higher interest rates and seeing if this applies to me.
Product: Credit reporting or other personal consumer reports

For sometime have requested XXXX  to report to the 3 credit bureaus this account not past due in XXXXXXXX XXXX XXXX XXXXt was paid in full on XX/XX/year> which means before the XXXX of the month. 

I have a letter to this affect. Need them to have the 3 credit bureaus to correct my credit report. I am trying to buy a home for myself and this is blocking it.