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

In accordance with the Fair Credit Report Act, XXXX  Account numbers : 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 have violated my right to privacy . 15U.S.C. 1681, Section 602A ( as listed below ) states that I have the right to privacy.

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Also, 15U.S.C. 1681, Section 604A ( as listed below ) states that a consumer reporting agency can not furnish an account without my written instructions which I have not provided.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account XXXX : XXXX Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account, CBA XXXX Account # 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: Debt collection

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in a several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report within 4 days!

These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent and further harm to my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my credit profile. They aren't mine. Please remove them.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my FTC /identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. 

You are in violation for reporting Inaccurate, incomplete, or unverifiable information. 

This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. the information does not relate to any transactions that I have made ; therefore ; I am writing to request that you place an immediate block on the fraudulent information in my credit file within 4 days upon receipt of this correspondence. 
By law you can not decline or rescind this request because : The block or request by the me ( the consumer ) is not in error Was not requested on the basis of a material misrepresentation of fact by me ( the consumer ) I did not obtain possession of goods, services, or money as a result of the blocked transaction or transactions.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. / 15 USC Code 1681 c-2
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent all required information into all 3 credit reporting agencies ... .XXXX  is the only bureau that followed Section 605B of the FCRA  ... ... XXXX IS STILL REPORTING 2 FRAUDULENT ACCOUNTS : XXXX, XXXX # XXXX {$2300.00} XXXX XXXX ( XXXX ) # XXXX {$840.00} AND 2 INQUIRIES : XXXX/XXXX  XX/XX/2019 AND XXXX XXXX  XX/XX/2019 TRANSUNION CONTINUES TO REPORT 1 FRAUDLENT ACCOUNT : XXXX XXXX  ( XXXX  ) # XXXX {$2300.00} notice how 2 of the accounts have the same account number but different creditor names ... .these accounts are fraudulent ... ..I will attach the original ID THEFT AFFIDAVIT that was submitted and the 3 report comparison and you can see the major discrepancies ....
Product: Credit card or prepaid card

I charged travel insurance, they did not honor trip interrupted as per policy and will not refund it
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Experian, and XXXX on XX/XX/2022. However, it has been more than 30 days, and I have not received a response regarding my investigation. This is not making any sense. To follow up, I sent another letter last week with certified mail with tracking number ( XXXX ) XXXX XXXX : XXXX, ( Experian ) XXXX XXXX : XXXX, ( XXXX ) XXXX XXXX : XXXX Based on the documents I provided, the credit bureaus can see that I am aware of my consumer rights. Therefore, I demand that all accounts that negatively affect my credit score and violate my consumer rights be removed immediately. 

In accordance with Fair Credit Reporting act, everything has to be 100 % accurate on my credit report. 

Please see the attached documents as confirmation of my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I file a dispute with equifax for unauthorized inquiries on XX/XX/2022. Equifax refuse to remove the fraudulent inquiries. This is a violation. Under 15 U.S code 1681b permissible purpose of consumer report I never gave you written consent to report anything on my consumer report. No consent is fraud
Product: Checking or savings account

I noticed on XX/XX/year>, approximately XXXX XXXX Eastern standard time that my Citibank account was not accessible to me via the Citibank app. I called Citibank customer service immediately and after verification was told that my account has been blocked and they wouldnt tell me why and they wouldnt verify any information and they told me that I would have to wait 5 to 7 business days to receive a letter from the bank then I called on XX/XX/year> and asked if I could close my account because I needed to access my funds and they told me no I would have to wait 30 to 60 days for my account to be reviewed For closure. I called again, XX/XX/year> and spoke to the fraud department and was told that my account was definitely going to closed but I had to wait 30 to 60 days for it to be officially closed and I asked if I could go to Citibank branch to access my funds and they told me not necessarily then I asked if the account closure could be expedited and they told me no.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize and I do not recognize the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Due to COVID 19 and loss of my job I fell behind on my mortgage payment. I contact Flagstar immediately and was placed on a repayment plan. Unfortunately, I was unable to complete the repayment plan and I was placed in the loss mitigation process. 
this was due to my father who was ill and ailing parents during the COVID 19. My father subsequently passed away. In XXXX of 2021, called Flagstar to inform them that I was ready to resume my mortgage payment and needed them to place the pass due payments on the back of my mortgage loan. The representative explain to me that I was eligible and proceeded to asked me probing questions to determine what option was best for me. They stated I qualified and within the next few weeks I should receive a packet from them to sign and explaining the new terms along with payment amounts. Since that time I haven't received any paperwork, or phone calls. I have called several times and I have been told that they my loan is still in underwriting. I was told that they are still working on my file and I should receive something in the mail soon. Fast foward to XX/XX/XXXX, I called Flagstar bank and was informed that they did not complete my review and I would have to submit a loss mitigation packet. I did not request or ask for a review for loss mitigation. I would like to resume my mortgage payments. I was advised to not make any payments until my deferment review was completed. They do not want to admit that they have missed their timeline for my review and have failed to communicate with me directly since the process has started. Flagstar wants me to start my timeline all over again, and for what? Why can't they communicate with me in a timely manner and keep me informed of next steps. They asked me to verify my phone number because they had another number on my file. I have had the same number for over 30 years. I have not idea why my phone number was changed. They also told me that my loan was extended out until XXXX, something that I didn't request. If my deferment review was completed within the allotted time frame, why would I need an extension of my deferment review. I asked to speak to a manager and was placed on hold for well over 30 minutes. This has been a continuous issue with Flagstar bank. The representative never came back to the phone.
Product: Mortgage

Company : NewRez My loan was transferred to NewRez Mortgage servicing in XX/XX/XXXX. The loan was originated by XXXX I pay my own taxes and homeowners insurance directly and it was never part of my mortgage. Starting with my XX/XX/XXXX statement NewRez started charging me for taxes on my mortgage monthly statement. 

I immediately called NewRez and had an extensive conversation with them regarding the discrepancy. They asked me to send over proof of payment of taxes along with a letter from myself stating that I pay my own taxes. Both the proof of tax payment and letter were sent immediately to NewRez. I was advised that I should continue paying my normal monthly payment which does not include taxes. In order to make this payment I had to do it over the phone with newrez as I would be paying a lower amount than the statement which incorrectly was including my taxes. My correct payment amount = {$1900.00}. This includes principal, interest and PMI. The statement I received for XXXX had my monthly payment = {$2500.00}. I paid the normal amount of XXXX, payment was processed over the phone. 

The following month NewRez sent me a XXXX statement with payment amount = {$3200.00}. They have continued to include tax on my monthly statement even after I have provided proof that my taxes were paid. They simply ignored the fact that I have provided proof of tax payment and continued with adding taxes to my monthly statement. They also carried over an incorrect overdue payment amount from the XXXX statement. On top of all of this they charged me a late fee of XXXX. Another fact I learned from my discussions with NewRez is that they paid my taxes but since it was a duplicate payment ( i already paid them ) they received a tax refund from the taxing authority. NewRez continues to keep taxes on my mortgage payment even after received proof of payment from me and a tax refund from the taxing authority I have contacted NewRez again to resolve the issue. They have stated that they are now requesting escrow analysis on the account and that it could take up to a month to get the result of that analysis. Meanwhile I am receiving incorrect monthly mortgage statements and being assessed late fees for paying my correct monthly amount. 

The fact that I have provided NewRez with tax receipts at the moment the discrepancy was noticed and their failure to to take action on it leads me to believe that there is a high level of incompetence or lack of communication internally with this company. NewRez is placing additional burden and stress on me the consumer to constantly contact them and fix my payment even after I have provided them with necessary proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection reporting to my report was once removed and the put back on my report without consent. 

Im aware that once removed by law the same account can not be reported as collection again account XXXX XXXX XXXX multiple accounts reporting to Experian
Product: Credit card or prepaid card

One month ago, I cancelled my XXXX XXXX Credit Card because I didn't need it. On XX/XX/XXXX, I got an alert through my email to check XXXX that a new card had been opened through XXXX XXXX XXXX XXXX. This is through Barclays. I never authorized or requested a new card. I did call to have the card closed. However it still shows open on my credit report. Plus, they still have my personal information.
Product: Mortgage

On XX/XX/18 I received a threatening letter saying I am in violation & in default of the reverse mortgage agreement since I did not pay my taxes for 2 yrs & that this places my property in jeopardy & could lead to forclosure.I have always paid my taxes on time & am up to date.I received a statement from my town tax dept verifying this & can provide it to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report are incorrect. 
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 XXXXXX/XX/XXXX
Product: Credit card

On XXXX my wife received a phone call on her cell phone. The caller ID showed up as JP Morgan Chase Bank from # XXXX. She did not answer and the call ended and was immediately repeated. She again did not answer felling this was a solicitation of some sort. She disconnected the call. The phone rang a third time and I had her answer. The person on the other end asked to speak with me. I took the phone and the person asked if I was XXXX XXXX. The person calling stated he was from JP Morgan Chase and that someone using my name and my social security number was trying to get a chase credit card in XXXX TX. This caller had a very distinct accent which sounded like he was from XXXX. He told me his name was XXXX XXXX. I confirmed his questions that I did not authorize any application and that my name was XXXX XXXX and my ss # started with XXXX and ended with XXXX. He stated he was opening a fraud case and gave me a complaint # XXXX XXXX. He said he would transfer me to the CFPB to handle the matter. He also said he would stop the application for the credit card to JP Morgan Chase. 

He then stated he was going to transfer me to another agency that would handle this matter. I was then transferred to a woman whose name I did not write down but she stated she was with CFPB and was going to handle this matter. She also asked me to supply to her the complaint number that the Chase rep had provided to me, as stated XXXX. 

At that time I was very suspicious of this call and decided while talking to this lady from XXXX who also had a very distinct accent which sounded like she was from XXXX also. I was a XXXX XXXX XXXXXXXX for 36 years in the state of Kansas and I felt that this could very well be a scam. 

While the lady from XXXX was talking to me I dialed the phone number that showed on my wifes phone for JP Morgan Chase Bank. The call went through and the lady from XXXX could hear the banks recoded message giving me instructions to follow to connect with someone from Chase. 

When the lady from XXXX heard this, she asked if I was calling the bank and I stated I was so that I could confirm this information. The lady from XXXX then stated that since I was calling the bank she was cancelling the complaint and she then very abruptly cancelled the call. 

I am forwarding this information to XXXX to ascertain if this matter was actually legitimate or if this was a scam. I was surprised the lady from XXXX just ended the call so suddenly when she heard I was calling the bank and that I felt all this could be a scam. I would think an actual rep from XXXX would further explain and assure any caller that this was a legitimate matter. 

I would appreciate your agency looking into this matter and please find out if this was a real matter form my attention or a scam and inform me of such
Product: Debt collection

very confused about this remark, progressive XXXX states that I owe XXXX and not sure why as I pay any balanced owed if needed. this was a total blind sided. I need this taken off my record ASAP. please help me on this issue.
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. 

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: Credit reporting or other personal consumer reports

I am writing regarding the alleged debt ( XXXX ) appearing on my consumer report as a " charge-off. '' This communication serves as both a formal dispute under the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX XXXX XXXX XXXX and a request for compliance under the Fair Credit Reporting Act ( FCRA ) ( XXXX XXXX. XXXX ). If there are additional account details you believe pertain to this matter, I request that you provide those as well, as part of your obligation under XXXX XXXX. XXXX. 

Pursuant to XXXX XXXX. XXXX, I dispute the validity of this alleged debt and demand verification. Please provide : 1. Proof of the original creditors claim, including a full accounting of the debt 's origin, itemized charges, fees, and dates of transactions.

2. Evidence of your legal authority to collect this debt, including an unbroken chain of assignment or sale of the debt.

3. Documentation of my liability, specifically a signed contract or agreement demonstrating my consent to the debt and its terms. 
Until you can validate this debt with the required documentation, you are prohibited from any further collection activities, including reporting this debt to consumer reporting agencies, under XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have had my capital one credit card since 2016. I have had a history of making payments on time. I have been going through a hardship which caused me to fall behind on my payments. The card number is ending in XXXX I would like to know if there is a program that reduces my monthly payments just so i can bring my account current. I am working on getting back on track financially. I received a text message on tuesday night about a payment being past due. I would like to the phone calls and text messages and the mail to cease and desist until i am able to get back on my feet. I am looking forward to working out a resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account number XXXX has violating my rights. 

15 USC 1681 section 602 states I have the rights to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency cant furnish a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under any open-end in your consumer Credit plan as late for any purpose.
Product: Checking or savings account

on XX/XX/XXXX I opened a checking account with Associated Bank ( https : //www.associatedbank.com/ ). On XX/XX/XXXX I used its mobile app to deposit a check of {$4000.00}, addressed to me from my wife from her XXXX XXXX  ( XXXX XXXX XXXX ). The XXXX XXXX  records shows the check has been cashed by Associated bank on XX/XX/XXXX. Around XX/XX/XXXX I found out I can't access my checking account either via the mobile app or the bank website, therefore I called the custom service department, be told that my account is locked and under review, and should be released by XX/XX/XXXX. On XX/XX/XXXX, my account is still locked, I called the custom service department again, and being told that my account is locked by an employee named " XXXX '', and I was transferred to her voice mail. in the voice mail. I asked to her unlock my account so I can access my account. she did not reply my call. Today ( XX/XX/XXXX ), my account is still locked, and the custom service can't do anything except transferring me to XXXX 's voice. I left a voice mail to ask her to unlock my account or call back if she has any concerns about my account. As of now ( XXXX CT ), my account is sill locked and no one from Associate Bank has called me about my account being locked.