23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I changed car insurance companies. The policy was paid in full upon cancellation. prior to canceling my contract with XXXX, Ihad a new policy with XXXX. I filed a complaint with the collection agency stating that Ive never owned this debt, and they still put it on my credit report, nor contact me any further regarding the information I sent them, I then called the collection agency to find out what I could possibly owe to XXXX because the policy was paid in full and was told that my policy with XXXX did not overlap with XXXX  and it did. My new policy took affect XX/XX/2022, the old policy canceled XX/XX/2022. I followed all laws and rules regarding having continuous car insurance coverage and should have not been billed {$190.00} when I had a car insurance coverage and effect. I ended up paying {$190.00} just to get it off my credit report but this was not debt that I owed and I was scammed by XXXX
Product: Debt collection

Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( 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.

Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received.

******IMPORTANT****** PLEASE DON'T RESPOND TO MY REQUEST SAYING THAT THESE ACCOUNTS ARE VERIFIED BY THE INFORMATION PROVIDER, SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS
Product: Credit reporting or other personal consumer reports

This morning, I discovered inaccurate accounts on my credit report, and Im completely at a loss as to why this is happening. I routinely check my credit report, and its always been fine until now. I even refreshed my browser, hoping it was just a technical glitch, but nothing changed. These accounts are still there, and I feel so overwhelmed. I beg you to thoroughly review the documents Ive sent so that I can finally put this behind me.
Product: Mortgage

*My husband and I have been having financial and health difficulties ( XXXX XXXX, XXXX, XXXX- XXXX XXXX XXXX XXXX XXXX XXXX ) since XXXX. 
*We were not able to pay our mortgage or equity line or credit card bills. 
*In XXXX, XXXX had given us a loan modification with differed principle of {$300000.00} but we were forced to rent our principle residence out to maintain the modification payment. 
*Our modification payment has increased to {$4000.00} as of XX/XX/XXXX. 
*We also have an equity line of {$180000.00} originally with XXXX XXXX who sold it to XXXX who sold it to SLS *I have been trying to workout a settlement with SLS but they refused to accept my offer on several attempts *Instead they came up with their own structured payment of {$650.00} monthly on an increased balance of XXXX. I am in no condition or financially capable to make such payment monthly. 
*After submitting a complaint to CFPB on XX/XX/XXXX, SLS responded with a threaten notice ( see enclosed document attached ). 
*If I do not agree to their terms they will foreclosed on my property. And a demand of {$200000.00} due on XX/XX/XXXX. And continuously phone calls harassing me and threaten to foreclose. 
*Just yesterday, XX/XX/XXXX, I received a phone call from XXXX XXXX who tells me to sell the property if I can not afford to pay the amount of {$200000.00} that due right now. 
*I asked to talk to her manager, so Mr XXXX XXXX supervisor took over the conversation on the phone, He said if I can not pay {$250000.00} by XX/XX/XXXX, I will be reviewed for foreclosure. 
I beg them to please communicate with me through email, because the phone calls are too stressful and had increased my XXXX XXXX to XXXX. But He refused and said they are not aloud to do that and continued to harass me with threatening phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX XXXX XXXX. XXXX Balance :- XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed disputes with TransUnion, XXXX, and XXXX over 30 days ago regarding inaccuracies on my credit report, listing specific accounts and the violations. They have failed to respond.

The company violated FCRA 623 ( a ) ( 3 ) by not marking the disputed account as disputed and 605 ( c ) by incorrectly reporting the date of last activity instead of the last payment date. 

Attached are copies of all letters sent.
Product: Checking or savings account

was denied online access to my account to allow my mutual und ach to transfer dividends
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved ; the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to notify consumers of dispute outcomes adequately. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( MONTH, YEAR OF FIRST CHARGE OFF ) Since then the account has repeatedly been updated as charged off every month. 
This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am deranding a deletion of the following account : Accounts Name : XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX ) Accounts Name : XXXX XXXX XXXX XXXX Account Number : XXXX & XXXX ( XXXX ) Accounts Name : XXXX XXXX XXXX XXXX Account Number : XXXX ( Experian )
Product: Credit reporting

This is a direct dispute with Equifax. I had a 30 day late listed on a XXXX XXXX account. The account number XXXX, date open XXXX 2011. they have me listed as a 30 day late in XXXX 2011. This is untrue and I have disputed this multiple times. I was infact not late and I need the account updated correctly. The account was paid as agreed, I paid XXXX payment, The motorcycle was stolen. the next payment date was XX/XX/XXXX. The check from the insurance company was sent to XXXX XXXX XXXX on XX/XX/XXXX. Therefore according to the XXXX XXXX resource guide I can not be marked a 30 day late. The industry Standards set forth by the CRA states " the " clock '' for a 30-day delinquent account starts 30 days after the due date as opposed to the billing due date. How long it took XXXX XXXX to process the check when it arrived on XX/XX/XXXX is n't my, the consumers responsibility. They did in fact received the check within the 30 day window set forth by these standards and that payment should have been applied to my account on that date. All Equifax has done is sent it to XXXX XXXX and they verify it. They have not done their due diligence in correcting it. I am asking this be corrected and report as a positive reporting account. I was not 30 days late and it was paid by my Insurance company within the allotted time frame. I have attached a letter from my insurance company for proof of when the payment was mail and it was not past the 30 day window of XX/XX/XXXX. I 'm not going to keep going back and forth with Equifax , XXXX, and XXXX. I have done that multiple times. I want it corrected ASAP! I also want the comments deleted that says paid account/was 30 days past due date.
Product: Credit reporting or other personal consumer reports

I have tried to reach out to this company via FTC about some unauthorized accounts that is reporting on my consumer report. I have not heard back from them or received any update of my credit report. This is my second attempt to get these accounts investigated and removed from my account SEE ATTACHMENT
Product: Checking or savings account

Bank of America has illegally closed my business account and personal account. I requested documents from Bank of America showing the reasons or findings for the account closure. It has been nearly 2 months and business fails to respond to such request. This lead me to the assumption that the accounts were indeed closed without cause. 

After account closure, securing a bank account elsewhere has been extremely difficult because Bank of America has reported this error to XXXX. 

I reach out to gain such a solution going forward.
Product: Mortgage

We put our house up for sale, had three weeks to go before closing.. while at the same time we were waiting for our sale to be completed our Mortgage company, Wells Fargo was foreclosing on our house. They called my wife 's phone on XX/XX/2019 ( XXXX ) XXXX ( approximately noonish ) where she handed the phone to me, ( XXXX XXXX XXXX ) and I gave them my lawyers name, number so they could communicate regarding the " sale ''. Attorney XXXX XXXX, XXXX of XXXX XXXX, NY ... upstairs from our Realtor XXXX XXXX from XXXX XXXX XXXX XXXX XXXX, also of XXXX XXXX, NY. Our " Sale '' was never intended to go through. Also Wells Fargo lied about eliminating our escrow account, stating we were unable to remove the escrow because it was required by FHA, which is untrue as it was OUR decision to include it in our mortgage payment ( at that time we were able and willing to resolve the past due amount ) There was also a lien put on our house by the Master plumber that inspected our basement, on the Town of XXXX 's behalf ... It is not customary for an official working in his capacity of a government employee to do anything other than put a balance onto the tax bill ... not take a private lien out while doing his job representing a government entity. This enabled Wells Fargo to put off working with us ... to this day the only we can access our account with Wells Fargo is online, which they refuse to reset and allow access to. We've tried online, called the number for online assistance but to this day over two years later we can not access our online account with them. They continued to tell us that we can fill out all the paperwork online ... but it does us little good. All we've asked is that they put our current phone number into the system OR put back his email on the account like it had been so I can reset the password. 

I have audio recording of our calls to wells fargo, but the file is too big to upload ... 28 minutes of assorted calls and lies ...
Product: Mortgage

US Bank sent me a notice on XXXX XXXX, XXXX of a new escrow analysis. The bank says my escrow is short {$3900.00} based on a prorated 12 months. 

In addition, my escrow deposit was raised from {$190.00} to {$410.00}. 

The bank added {$320.00} for the shortage spread plus the increased escrow deposit fee to my XXXX statement, increasing my payments to {$1900.00} from XXXX. 

My county taxes increased to {$3300.00} in XXXX from {$730.00} in XXXX. This increased amount ( {$2500.00} ) is reflected in my new escrow deposit. 

Based on the above, my account should be short {$1900.00} due to increased tax payments from XXXX XXXX. I asked US Bank if I could make a {$1900.00} payment or pay my full tax bill for XXXX so could they remove the shortage of {$3900.00}. The bank rep said the shortage fee would be there unless I pay {$3900.00}. The rep 's explanation of the the shortage fee doesn't make any sense to me. I believe there are hidden extra fees in the {$3900.00} because the numbers and explanation provided by the representative do not make sense to me. 

I told the representative if she could present or explain why the fee is more than what I owe and she could not. I told her I would report this issue to the CFPB and she did not seem to care. 

I would like the shortage fee removed and the hidden fees revealed and explained. 

Here is my information : Loan Number : XXXX Name : XXXX XXXX ( formerly XXXX XXXX )
Product: Debt collection

On XX/XX/2022 I submitted a complaint to the CFPB in regards to the inappropriate communication practices of Portfolio Recovery Associates ( PRA ). At this time, they were violating my rights under the commerce and trade us code, Including contacting me regarding an alleged debt WITHOUT obtaining my prior consent. For which they never provided proof of my expressly written consent.

Furthermore, despite agreeing to CEASE ALL COMMUNICATION, please find the attached proof of their continued communication efforts. PRA has no respect for their agreement made via the CFPB complaint portal. PRA CONTINUES TO VIOLATE MY RIGHTS. I demand that ALL COMMUNICATION FROM PRA IS CEASED AT ONCE AND THE ALLEGED DEBT FOR ACCOUNT ENDING IN XXXX IS REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I
have been using Credit Karma for awhile now to get my credit report and help keep a eye on it it needed repaired and i have been working so hard on getting it back up agai  n, I want to say i 've used them for a few years now, they give you all your stuff thats reported on your credit report for free, good deal right!! NO, When you 1st log onto your accounts they have recommendations of loans, credit cards ect, I do have my own Credit cards, well i thought it was time to apply for another as my score has went up some and i 've been making on time payments for awhile now, so i go to the recommendations and i choose one, I apply i get turned down even tho it said my odds were good at getting approved for this card, this was last week, I go again today and i think I 'll try for one more card my odds were good again I get denied, Now they use everything in my credit report to give me these odds on approval rates, Now I have   XXXX   references on my credit report for credit based on their recommendations so now it will take a few years to get these off here, I do not pay for this service but i would like to please have this checked on, I do n't think they should be able to use it against me since i went on the advice of a company and took their word for it, They are sopost to give you good advice and this ended up not so good!
if you go to www.creditkarma.com with log in with my email  XXXX  password  XXXX  and check out the page it will clearly show you under recommendations which cards i have good approval odds for they are even still listing the cards i got denied for as good odds, even after being denied!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputes letters because there was inaccurate information on my credit report. its been more then 45 days with no response no nothing. I have sent multiple letters in regards to my issues.
Product: Mortgage

Lender is not honoring the locked rate and loan estimate as per initial loan disclosure, as their investor has not agree on manual underwriting.
Product: Checking or savings account

On Saturday, XX/XX/XXXX at XXXX I had went to deposit XXXX $ into Huntington bank 's ATM in XXXX XXXX Ohio XXXX The address is XXXX XXXX XXXX, XXXX, OH XXXX. I had inserted all of the money and the ATM completely froze and wouldn't acknowledge the money or give me the card back for some time. I drive XXXX XXXX XXXX XXXXXXXX XXXX and had left the bank a message stating everything that had happened. I am using this complaint to double down to make sure appropriate action is in place to get me my refund or a credit that acknowledges the transfer. After about three minutes the ATM was able to give the card back but the money remained inside of the ATM. It looks like the normal hours of operations are Monday XX/XX/XXXX at XXXX. I will give them a call then. After the card was released, the ATM was unable to accept anymore deposits. I am sure they can date and look at cameras to see everything and anything that happened during this time. My phone number is XXXX and email is XXXX. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602A. states I have rights to privacy 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

I submitted a letter to the Experian and XXXX XXXX XXXX XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again, as required under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX U.S.C. XXXX ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX XXXX ( a ) ( XXXX ) ( XXXX ) XXXX in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of XXXX XXXX. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Name XXXX XXXX XXXX XXXX ___XXXX XXXX  XXXX Town XXXX State, and Zip Date XXXX XXXX XX/XX/XXXX XXXX To : _____Whom It May Concern _____________ RE : Notice to Correct Credit Report Dear ___Sir/Madam_______________ Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.

Item Number Company Name Account Number Comments XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX 4.Affirm Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I XXXX follow up with them directly. Thank you for your assistance in this matter. 

Sincerely, _____maurice XXXX XXXX XXXX XXXX XXXX __________ XXXX _____XXXX XXXX XXXXXXXX Town XXXX XXXX and Zip XXXX Social Security No XXXX Date of Birth
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 XXXX XXXX XXXX. 

XXXX XXXX : XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 before that the information is inaccurate. 

Multiple of these accounts have inconsistencies in the reporting pictures are also attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 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. 

XXXX XXXX XXXX XXXX, XXXX XXXX Account : XXXX, XXXX XXXX Account : XXXX, XXXX XXXX  Account : XXXX, XXXX XXXX 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 : 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 with 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.