23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I had a credit card but no bank accounts with Bank of America. On XX/XX/22 I received an email that said I tried to open an account but that they were unable to open the account and I need to go to a branch to provide identification ( I expressed no interest in an account and hadn't been on their website in a year ). I did not see the email right away and then received a second email XX/XX/22 stating my application was approved and an account was opened. I tried calling their customer service to investigate but they were no help. They would not tell me any details about how or who ( at the bank ) opened the account. They finally opened a fraud investigation at my request but have not provided any updates.
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 : XXXX XXXX XXXX # XXXX has violated my rights. '' Account name : 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 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: Debt collection

XXXX. Daily/weekly phone calls even late in the evening.

2. Degradation of character, due to how they spoke to and threatened me after I told them i was XXXX. 
3. False collection letters to seek a debt that does not, nor has it ever existed.

4. Unable to be contacted by phone unless they call you.

5. Shame on you. XXXX sees all.
Product: Debt collection

I HAVE ALOT I'M DEALING WITH AND I'M HONESTLY OVER WHELMED WHENEVER I CAN BE ABLE TO PAY I WILL DEFINITELY DO THAT TRYING TO SURVIVE FROM PAY CHECK TO PAYCHECK IF YOU CAN CONCIDER THIS IT WILL MEAN ATLOT
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act my rights have been violated. According to 15 USC 1681 Section 602 A I have the right to privacy. Also 15 USC 1681 Section 604 A Section states a consumer reporting agency can not furnish a account without my written instructions. 
Also 15 USC 1666BA states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. My federally protected rights have been violated I have disputed with these credit bureaus in Total of 3 times and each time these accounts are still being inaccurately reported. This has been exhausting both mentally and physically.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX who is a natural born citizen and is aware of my rights under the FCRA. 
My rights were violated by XXXX XXXX XXXX. 

Account : XXXX XXXX XXXX amount {$1400.00} I am allowed under the XXXX XXXX to protect my privacy and medical records from third parties. I did not give permission to XXXX XXXX of Georgia to release my medical records to XXXX XXXX XXXX who is a third party. 

15 U.S.C 1681 Section 602 A Section 1 States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section States that a consumer reporting agency can not furnish an account under my written instructions. 

Delete this account immediately, unless you want to be XXXX for this violation.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$4300.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. EQUIFAX refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that EQUIFAX upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage was paid off XX/XX/2016 and my escrow funds have not been sent back to me in a timely manner. Carrington Mortgage Services takes advantage of customer funds that are not theirs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are allowing a company to report medical debt that I supposedly owe that I lived in a different state at the time of the charges. They refused to do an investigation Experian giving me a code in which they state they dont have to do a reinvestigation if they dont want to wear that XXXX  states if the consumer believes that there was a fraud account that they are supposed to investigate whatever the XXXX I tell him to thats the XXXX job and the fact is the XXXX not allowed to report medical debt on peoples credit reports thats on the {$500.00} the medical debt that the saying I suppose the old when I live in a different state a timer for charges is {$360.00} below the {$500.00} fresh mark where they no longer allowed to report it on my credit report Estates that they are by mid of this year supposed to remove all medical debt on the {$500.00}, I have submitted complaints about these fraud accounts in the first place because one how did I have medical treatment and charges in XXXX  when I lived in XXXX XXXX during the time of the charges also medical XXXX XXXX a state it is not supposed to report it anymore and its throwing a {$60.00} in there verify it is accurate even knowing Im telling them to XXXX in the wall. They told me to go XXXX myself. I literally have the wrap on the phone with my husband who is an XXXX sitting next to me with them on speaker hearing them. Tell me to go XXXX myself and say ha ha we dont have to look into your issue, I guess what Im the consumer theres a thing called a fair credit reporting act youre violating it I intend to sue you people until youre bankrupt living in a XXXX shoebox and then Im gon na walk by and stop on the shoebox and watch you burn do you want to continue to allow this company but should I say to different companies to report medical debt that the company refuses to verify with me and its been almost 5 years they still havent sent me nothing to verify it when I request it, they refuse to ever send me a 30 day verification code as well XXXX beyond that its over five years now or almost 5 years and they still never sent a 30 day notice or no form of verification but yet they can verify with the credit payoffs yeah, my lawyer is gon na get a court order and a subpoena to view your fake accounts for both the company and every single employee if you took any form of payment from this company that is reporting fraud accounts even your employees directly if they did Will be brought up on federal charges and I will see to it that I bury the company and the employee that a lot of the happen, name of the two companies they are allowing to report the same medical debt on the {$500.00} where they are not allowed to list any other credit report that has medical debt related under {$500.00} in the first place, but verifying it as accurate and refusing to send me anything is called all debt solutions and first class agency
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 





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. 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 I looked at my XXXX credit report on XX/XX/year> 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 1681 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 suppose 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: Checking or savings account

This is my THIRD compliant about PNC with respect to the same issue. Any time I try to transfer money out of my account and into a new account they freeze my access and lock me out of making any transfers at all. 

The first time I files a complaint they told me it was my fault because I requested email alerts and did not respond to the email in a timely fashion ( they sent the email aXXXX XXXX XXXX and locked me out before XXXX XXXX 

The second time they told me it was my fault because i logged in from XXXX which is " outside my home region '' ( it is less than XXXX miles away ). 

This time they immediately locked me out when I logged in from my laptop IN MY HOME! 

They have at no point given me any explanation as to how I can prevent this from happening other than to suggest I call them anytime I leave my home to alert them ( although today they locked my access after log in from home. ) At this point I am simply trying to transfer money OUT of PNC and into a different bank to avoid dealing with them at all but they are making it impossible to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple times requested validation of some inquiries that I NEVER authorized to the company ignoring me. I did call these companies and was told they have no record of me and to contact the reporting agency. I didnt authorize these. 
Attached is last letter sent to the agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX, CO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ;
Product: Debt collection

I am filing a complaint against rent recovery solutions. I have been fraudulently contacted by debt collection companies in the past for unsubstantiated debts, I've worked really hard to improve my credit and I now require full validation on all claims. I reached out Rent recovery over 2mths ago for validation I then sent another letter with a return confirmation. Attached is my validation letter I sent them back in XX/XX/2021 along with receipt for mailing the letter, confirmation that the received the letter. They have gone over 30days without response to my inquiries and validation. I request that this debt be removed from my records and reports. Thank you.
Product: Mortgage

I called Wells Fargo Home Mortgage on XXXX, XXXX/XXXX/15, to give them my promise-to-pay on XXXX/XXXX/15 via my bank online bill-pay ( so that I have my own record of the payment ). Our payment for XXXX is due XXXX/XXXX/15 - XXXX/XXXX/15. I also told WF about mailing my escrow shortage payment. The customer service employee told me she would notate my account. 

On XXXX/XXXX/15, Wells Fargo Mortgage called my husband today regarding our account. WF wanted to set up auto-pay for XXXX 's payment, but my husband informed them I take care of the finances, and he told them we do not owe the XXXX payment. Wells Fargo tried a three-way phone call with me, but I was unavailable at that time and could not take their call. They preceded to tell my husband our mortgage payment was over 30 days late, and do we plan to vacate the premises. He told them no and he needed to talk to me to see what is going on. The customer service employee then tells my husband that our account is not over 30 days late. Whoops ... .My husband asked for a manager and talked to someone, but he was still upset about the phone conversation and the lack of research the employee completed before calling my husband. 

I called Wells Fargo Home Mortgage on XXXX/XXXX/15 to inquire about our account. 
I was informed that I called Wells Fargo on XXXX/XXXX/15, but the customer service employee did not notate my account as promised. Had that employee done their job correctly, my husband would not have received this phone call threatening our house.
Product: Credit reporting, credit repair services, or other personal consumer reports

Across the three credit bureaus they have been neglectfully holding information against me all the while not reporting back to me as it has been more than 30 days since I reached out regarding my credit report about accounts due to identity theft. My identity was compromised a few years ago as I was left defenseless to end the attacks and figure out who was opening accounts in my name, making unauthorized purchases and by the time I found help to lock my reports it was already too late. I completed the information required such as an FTC complaint and so forth as well as added fraud alerts however equifax, and XXXX along with XXXX have neglected to investigate my concerns as you will see on the attached documentation breaking FCRA rules and regulations all the while keeping me in the dark. There are dozens of fraudulent accounts across 3 bureaus stuck on my report in which I am reaching out to the cfpb to help me with this as these bureaus are purposely leaving fraudulent information and inaccurate information on my report. They also said I failed to provide information however, I have sent in all the information months ago as you can see on the documentation I will have uploaded providing everything I sent to them. This needs to stop after this my last resort is pursuing legal action
Product: Mortgage

I filed all paperwork to support my situation to the Loss Mitigation Department and they are stating I do not qualify for a modification. I lost my job in XXXX and was unemployed for almost 3 mths. I started the process of the application in XXXX and on XXXX XXXX, 2017 is when I was notified that they could n't help me. I 've had my home for 2 1/2 years payments always on time. My salary is lower. I do live in my house and wish to keep it just need help staying in my home. They seem to be unwilling to help. I 've asked about any other options and they stated unfortunately there 's nothing they can do. Please help!!!
Product: Debt collection

If this is a prior bill, it's already been paid. I show in my bank account paying this institution. I never received any bill for this or anything saying I had an overdue bill. I never received anything like this because I don't owe anything. My online account at this institution shows a balance owed of {$0.00}. This company is preying on people to get monies that aren't owed. The date of the service is XX/XX/2020 from XXXX University XXXX XXXX and the debt is {$250.00}.
Product: Student loan

XXXX XXXX sold our loans to Navient. Naivent claims they 're unable to provide any sort of amortization chart simply because the loans are marked " variable interest ''. However, they 're also unable to answer how since 2012 when those " variable interest rates '' have yet to spike over 5.75 % that in over {$35000.00} worth of payments, almost {$20000.00} has gone strictly to interest leaving the other {$15000.00} to be applied to principal. I 'm not a genius, but that math just does n't add up to me. They 're scripted answers will not suffice for this household. After seeking council from a professional, we did some research and found that the Consumer Financial Protection Bureau has a lawsuit against the institution. " The lawsuit alleges that Navient provided bad information in writing and over the phone, processed payments incorrectly and did not act when borrowers complained about problems. '' They have continued to fail their customers by deceiving them when it comes to the ability to pay back their loans in a timely manor. These crooks are simply out to XXXX the dollars out of students and their families for as long as they possibly can. They have to be stopped. Loans should be easily consolidated when purchased by a third party rather than forcing the payee to split their payment over several loans. This adds to the confusion and makes it extremely difficult to understand where you are in terms of repayment, not to mention it makes it virtually impossible to ask questions over the phone with their terrible customer service workers.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I submitted a case to Coinbase.com. The case ID is XXXX. 

My issue is I previously had an account with Coinbase shortly after they started doing business over 4 years ago. I have since lost access to the phone and email attached to my old account. This is not a new issue for Coinbase, as they have steps to restore access to your previous account on their website. 

I followed the help article for restoring access step by step. I created a new account, uploaded identity verification documents, and submitted a case for resolution. Since XX/XX/XXXX I have received one correspondence from Coinbase, which was a support rep giving me the link to the help article I already followed. That was on XX/XX/XXXX. I have updated information on the case multiple times since then in an attempt to gain their attention but they still have not restored access to my previous account nor merged the two. 

I understand with an influx of new users there may be a delay in handling support tickets, but two months is excessive and shows they have no sense of urgency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received multiple emails from my credit card and credit secure affiliates stating that XXXX did a report inquiry on XX/XX/XXXX, XXXXwhen it was not authorized by me. 
I call XXXX and they could not find anything on me using my social security number. I call Transunion who posted it and they had a recorded request by XXXX on XX/XX/2022. I was instructed to reported to the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call on wednesday XX/XX/21 at XXXX from XXXX XXXX office according to the message the representative XXXX XXXX XXXX on my messenger recorder from number XXXX XXXX ext. XXXX and her exact words were, XXXX XXXX I AM REVIEWING TO GET TO YOU YOUR ESCROW ACCOUNT FUNDS. 

Then I conducted a XXXX search of the phone number on my caller ID as XXXX XXXX and discovered that she called me from XXXX XXXX Department- please take action and announce to the CFPB that XXXX XXXX and parties involved supported him committed a Big Fraud against me about property XXXX XXXX XXXX XXXX, mi XXXX and let the XXXX michigan police department know the truth about the property and that they not stand on fraud.