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

EXPERIAN is in clear violation of the law. Under 15 USC 1681 of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report???

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS- except as provided in paragraph ( 3 ). The term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) Report containing information solely as to transactions or experiences between the consumers and the person making the report. 
Transaction : In business law, a transaction is an event associated with business dealings conducted between two or more parties that involve the formation and performance of an obligation or contract. 
THE LAW CLEARLY STATES : Transactions or experiences between the consumer ( me ) and the person making the report is NOT INCLUDED ON MY CONSUMER REPORT.

Delete the above late payment from my consumer report, this agency is in violation of 15 USC 1681. 

The reporting of this account violates multiple provisions under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws, including but not limited to : XXXX XXXX XXXX XXXX XXXX is reporting incorrectly. I request that this inaccurate item be immediately investigated. The account must be removed/updated to show my true credit history. 

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

I applied for business finance with a company for a {$30000.00} loan. They applied to multiple other companies without my consent and 11 inquiries were placed on my credit report. I communicated with the companies in question and requested a letter of deletion and receieved nothing. I also called the consumer services of the credit bureaus and I was told that the inquiries were matter of fact and that anyone with a reason can check my credit even if I have a standing security freeze on my reports. the following inquiries are listed below : XXXXXX/XX/2017 XXXX XXXX XXXXXX/XX/2017  XXXXXX/XX/2017 XXXX XXXX XXXX XXXX XXXXXX/XX/2017  XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2017 XXXX XXXX XXXX XXXXXX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2017 XXXX XXXX XXXXXX/XX/2017 XXXXXX/XX/2017 XXXX XXXX XXXX XXXX XXXXXX/XX/2017 XXXX XXXX XXXXXX/XX/2017 XXXX XXXX XXXXXX/XX/2017 XXXX XXXXXX/XX/2017  XXXXXX/XX/2017 XXXX XXXXXX/XX/2017 XXXX XXXX XXXXXX/XX/2017  XXXX XXXX XXXXXX/XX/2017 XXXX XXXXXX/XX/2017  XXXXXX/XX/2017 XXXX XXXXXX/XX/2017 XXXX XXXXXX/XX/2017 XXXX XXXX XXXXXX/XX/2017 XXXX XXXX XXXX XXXXXX/XX/2017 XXXX XXXX XXXXXX/XX/2017 XXXX XXXX XXXX XXXXXX/XX/2017  XXXXXX/XX/2017 XXXX XXXX XXXX XXXXXX/XX/2017 XXXX XXXXXX/XX/2017 XXXXXX/XX/2017 XXXX XXXX XXXX XXXX XXXXXX/XX/2017 XXXX XXXXXX/XX/2017 XXXX XXXX XXXXXX/XX/2017 XXXX XXXX XXXX XXXXXXXX  XXXX XXXXXX/XX/2017 XXXXXX/XX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The XXXX Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Employer : XXXX XXXX, XXXX Date Updated : XX/XX/XXXX
Product: Credit card or prepaid card

A complaint was filed on XX/XX/2022 with CFPB in regards to Victoria Secret/ Comenity Bank freezing the Victoria Secret Card provided using a SSN. As a Consumer exercising rights put in place to protect against being mishandled by these Corporations should not result in discrimination. Victoria Secret/Comenity Bank has retaliated against a consumer once again for the rights out in place for this very reason. Victoria Secret/Comenity Bank never gave notice of adverse action 15 USC 1691 ( d ) 3 nor did Victoria Secret/Comenity Bank get written consent to close the account. Victoria Secret/Comenity Bank never sent the requested documents such as the ledger, account records notarized by the agent over the account. Victoria Secret/Comenity Bank are reporting to the CRAs without consent.
Product: Mortgage

This is in response to XXXX ' reply to complaint XXXX in which XXXX XXXX XXXX  - servicer of mortgage loan from TOWD group did not reply to the parts of the complaint as follows : Requested verification of the approved payment plan ( given twice during recorded telephone calls with XXXX representatives in XXXX and in XX/XX/year> ) for the loan as to insurance and property taxes ( due XXXX ) to be taken out of the auto payment which had been in effect for years. 

Property is for sale due to serious medical issues and already have interested parties. This sale would pay off the loan. 

XXXX indicates no payments due to a stop payment from my bank. Previously I provided the XXXX documentation that the auto payment of over {$1800.00} each month was discontinued and since the on line account for my loan has not been updated, XXXX is using the excuse of stop payment. The stop payment was for that amount ONLY and not XXXX per se. I called in to make the loan payments in XXXX and XXXX and XXXX, received confirmation numbers for the payments made by phone, but XXXX, in their system eventually did not credit the payments to the loan. XXXX document previously submitted showed up in suspense funds, but since the computer system was not updated to the new amount, XXXX is claiming they could not process the loan payments due to the stop payment. This is not true as the stop payment is based on the $ XXXX amount and not the requestor. I made that extremely important as part of the stop payment order. 

XXXX did not address the stopping of any foreclosure proceedings which their letter stated would start as of XX/XX/year>. I feel they are using the stop payment excuse to show missed loan payments even though I called in the loan payments of $ XXXX and received confirmation numbers for them from the XXXX XXXX - recorded history. 

I applied for their mortgage assistance program and am gathering documents in between serious medical treatments - their due date is mid XXXX, yet I don't want the stress they will make by not updating their system and starting foreclosure proceedings. This is a Catch XXXX scenario that XXXX must fix. No foreclosure proceedings should happen since payments were made in good faith but XXXX ' computer system is discounting them. 

I want written approval from XXXX that the new loan payments were authorized and should start up again in XXXX for the loan payment only until the home sale closing. At that time, the loan will be paid off. XXXX - XXXX payments that XXXX refused to credit should be put in the deferred account which also will be part of the total payment for the loan. 

XXXX XXXX
Product: Credit reporting

I 'm filing this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank You.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Bank is reporting inaccurate information on my credit profile. They are reporting My XXXXXXXX XXXX  XXXX as a repo. Which is totally incorrect. The car was never repoed. I received Car title in Hand. I am no longer in possession of the car as of XXXX, XXXX due to it be totalled in a Car accident. XXXX XXXX  did not have right on Car title because XXXX XXXX had the car title. So XXXX XXXX is report incorrect information
Product: Checking or savings account

I sold my car at an auction on XX/XX/year> and received a check for {$10000.00}. After that, I went to the bank and deposited the check on XX/XX/year>. The bank initially placed a 10-day hold on the check for verification. After 10 days, I visited the bank to ask if my funds were available. The bank did not provide any information and instead gave me a phone number to call : XXXX. When I called, they asked me to provide documents related to the check, so I submitted the invoice from the auction that confirmed the sale. 
Since then, the bank has not contacted me. I followed up with them again, and they said they were still verifying the check. I provided them with complete contact information for the auction so they could confirm the check validity. However, the bank still did not reach out to me. I called them again, and they told me they have no information on when the funds will be available. It has now been three months. Every time I call, a representative speaks to me but does not provide any information about my deposited funds. They also say that they sent me a letter, but i have never received any letter. I have asked multiple times to be connected with someone who can explain what is happening and when I will be able to access my money, but customer service always tells me that they do not know who I should contact and that I just need to wait. Last time when I talked with a bank, the bank gave me a claim # XXXX. I need help understanding why I still do not have access to my funds, as this is a significant amount of money for me. Thank you.
Product: Mortgage

I tried to get a loan modification from B of A. 
They said they would not modify or refinance. 
I tried XXXX mortgage companies for a new loanbut they all said that due to dodd frank I couldnot qualify because I did not have enough incomein XX/XX/XXXX and XX/XX/XXXX. I contacted consumer financialprotection agency and they were no help. 
my house is worth {$1.00} XXXX and I only owe {$380000.00}.
Product: Credit reporting or other personal consumer reports

I applied for a homeowner 's assistance program for my home equity line of credit account ending in XXXX back in XX/XX/year> with fifth third bank. The customer service rep was supposed to send me an application for that account, but she sent me an application for my first mortgage account instead. I then contacted the bank once I realized the application was for the wrong account and was sent another application for the correct account ending in XXXX. I completed the application and forwarded it back to fifth third. 
I was approved for the hardship assistance program and made my XXXX trial payments. During the application process the bank was not supposed to report any delinquencies on my loan to the credit reporting agencies during the application approval process or my entry into a trial period plan but they did report that I XXXX days late for these months XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>. This has greatly impacted my credit score severely.
Product: Credit reporting or other personal consumer reports

XXXX experienced a major data breach which means everything on my consumer credit report was breached. Please remove these items from my TransUnion report due to inconsistent and inaccurate reporting.
Product: Credit reporting

I noticed a hard inquiry from XXXX on XX/XX/XXXX on my equifax credit report. The XXXX website said I could check my rate and it would not affect my credit ( ie : soft pull ). However, it was a hard pull which was not authorized. I disputed this with equifax on XX/XX/XXXX and they have still not completed their investigation nearly 60 days later. The equifax website shows my dispute as pending.
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. 

Account name : XXXX XXXX XXXX Account # 's XXXX, XXXX, XXXX, XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # 's XXXX, XXXX Account name : XXXX XXXX XXXX Account # 's XXXX Account name : XXXX XXXX  Account # 's XXXX, XXXX These accounts have 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 : 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 reporting agency if the person knows or has cause to believe that the information is inaccurate.
Product: Student loan

I had a loan with AES and recently refinanced my student loan with another provider. My new lender sent AES money to pay off my loan with them, however the amount AES received was more than the amount required to pay off my loan. My new lender says they sent AES a check for {$12000.00}, but AES only applied {$12000.00} to my loan to pay it off. The {$160.00} difference between those amounts has disappeared and I 've sent many emails to AES but received no response from them at all other than confirmation emails that show they have received my complaint. I believe that AES was overpaid by my new lender and they are refusing to acknowledge me and return the extra money they received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

I've been with Chase for some time already. However, sometimes I feel like that there is a disconnect between Chase and their customers. Nevertheless, I feel like Chase charges for every little thing. I feel like they made a lot of money over period of time wirh fees on me. 

Furthermore, I feel at times they hold certain things in the way they processed stuff. So they could insure themselves That they would make money off me based on XXXX There has to be a better way to prevent these fees.I need Chase bank to mail bank statements and I never gave chase bank written or verbal permission to go paperless. I would like something documented so I can see everything going on with my account. I don't like to use the mobile too much. Because I got hacked on my cell phone recently. 

I get a direct deposit every single week into Chase. However most of my money that I'm getting direct deposit now is going to Chase fees. By the time they take out their fees I get less than half of my direct deposit. Yeah that's how I go into the negative caused me more financial hardship. 
Me thinking I still have money in there, based on the direct deposit causes me to go into overdraft. 

Especially this year alone. From the beginning of this year I had been struggling. I had covid 19, Been very sick. Was admitted to the hospital and also had XXXX twice this year. Plus dealing with death and sickness in the family. I was also affected by the hurricane as well. I have a medical condition..These XXXX hurts me XXXX When they charge me these fees, and then I realize they withdraw I have no money from my account, I have to start making some decisions. 

Some of the decisions I have to make, Not being able to pay for my medicine, not being able to pay for my medical care and not being able to pay for any food or other bills. Because I'm so busy paying Chase Bank all the fees back. They have to be more understanding to people and what's going on with people 's lives right now. Especially how the economy is. Inflation went up. My paycheck did not go up. Including my medical care has gone up. Food went up gas went up, etc.

Sometimes I try to get help from Chase, however they make it very difficult for me to get the full help I really need. It's also hard contact them when you're put on the on hold for so long. I try calling even times during my break and lunch and it's very difficult to get through to them on time.
Product: Mortgage

Pursuant to 12 CFR 1024.36 ( QWR ), I have requested full accounting ledgers on many occasions from SLS ( see attached ). The mortgage debt was originated and transferred to many different servicers. At one point XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) serviced the debt. On or about 2012, XXXX XXXX XXXX, advised that they wrote off the debt and forgave the balance per the National Mortgage Settlement of 2012. SLS has refused to supply the ledgers from all past mortgage servicers. Per the FDCPA and CFPB law, SLS has an obligation to supply all accounting ledgers to prove up the validity of the debt. They are claiming that the debt has accelerated from {$48000.00} to over {$120000.00} with no explanation. They have also filed notice of default on this matter.
Product: Money transfer, virtual currency, or money service

Received a call from someone acting as Wells fargo. They had me transfer funds XX/XX/XXXX through XXXX and the amount of {$3500.00} as a way to keep them from being removed from my account. Wells Fargo says the funds can not be recovered and there's nothing they can do
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate information on my consumer report, the collection by XXXX XXXX been charged off according to the IRS amounts over {$600.00} have to be filed as income with a 1099c, income doesn't get reported on a consumer report, how is this being reported as a debt? please delete this off my report as well as the balance is inaccurate, account has been reported 120 days late twice this is inaccurate according to 15 U.S. Code 1681e ( b ) accuracy of report ( 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. IF NOW THE STATUS HAS CHANGED WHAT YOU ARE REPORTING IS INACCURATE HOW ARE YOU MAINTAINING MAXIMUM ACCURACY WITH A INCORRECT ITEM PLEASE DELETE IT
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX  I have asked the company I C CREDIT SYSTEM to verify the medical collection on my XXXX credit report by providing a breakdown of fees including and and all collections costs and medical charges and provide a copy of my signature with the provider of service to release my medical information. I asked if a failure of a response in 30 days under the FDCPA and HIPPA collection laws all collection should be deleted. With dates posted above I filed disputes and it has been well over 30 days and have not been notified of investigation or results.
Product: Checking or savings account

I deposited a payroll check, and they are holding it for over a week. Another scam by our banks. I have no money. And I am anout to lose my job.
Product: Credit reporting or other personal consumer reports

XXXX is reporting balances to Experian although my accounts were transferred to XXXX. I submitted multiple disputes with Experian on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each dispute resulted in Experian stating XXXX verified the debt therefore it can not be removed. I submitted another dispute with Experian today, XX/XX/XXXX. 

My Experian report reported duplicate balances from XXXX and XXXX up until XX/XX/XXXX. As of then, most of the duplicates from XXXX have been removed except one for {$2400.00} and one for {$2100.00}. These also show for XXXX. 

Additionally, I contacted XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time they informed me I do not owe any balances for them. However, they continue to verify the debt that I do not have. They have not resolved any issues or provided any conclusions of their internal review/dispute process. A supervisor with XXXX stated they will submit a credit bureau retraction on XX/XX/XXXX and I will be notified via email, within XXXX business days, of the results of the retraction. 

I have no faith XXXX will actually resolve the issue since they have were notified of this issue in early XXXX.