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

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. XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX XXXXXXXX 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: 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. 

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.

i have not received any money from this company
Product: Prepaid card

Around XX/XX/XXXX Ive contacted costumer support from the number in the back about my visa gift card and a possible refund. I was asked to give my full card details, I wasnt aware of how anything worked so I did. Later that same day I checked my account to find that my card was emptied with transactions Ive never made. The customer support representative was the one that had my details and made unauthorized purchases. All the transactions were labeled as pending. Not once have I made a purchase with the card. I called customer support again and had my card deactivated, I was told that the transactions wouldnt be going through and to call again on the XXXX to have it replaced, this is when the funds shouldve returned. I called on the XXXX about it and was told that the funds never returned, I filed a formal dispute that same day. On the XX/XX/XXXX, I emailed to the email they provided for any correspondence for any updates regarding the disputes. I was met with radio silence. Its been a week since then and still no response. Ive lost my trust in the company and just want to get my money back. The total amount on the card was XXXX dollars.
Product: Student loan

I have been asking that my pending payments be added to my Public Service Forgiveness Loan for over 3 months now. I have 7 payments pending to add to my PSLF count which would give me XXXX loan payments. I have also sent in two forms asking for a recount and haven't heard back. I have been in education for XXXX and my loans should have already been forgiven. The Department of Education keeps giving me the run around and this isn't far,
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. These are the collection accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. pursuant to section 605B pf the fair credit reporting act, and send the required notifications to all furnishers of this information.four unauthorized fraudulent accounts 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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I had a student loan debt consolidation with XXXX XXXX that included XXXX and XXXX XXXX XXXX loans. My XXXX loans were sold to XXXX XXXX XXXX in XX/XX/XXXX or XX/XX/XXXX. I disputed the fact that I had XXXX XXXX loans in forbearance which XXXX XXXX placed in forbearance as well ; yet, when XXXX XXXX sold loans to Navient, they did not honor the forbearance and reported late delinquencies. ( See attachment XXXX Forbearance Loan Declaration.pdf for forbearance dates ). I began rebuilding my credit in XX/XX/XXXX or XX/XX/XXXX and sought the assistance of a Credit Repair Specialist. She contacted all my debtors, including my student loans. After 3 months I decided I no  longer needed her assistance. In XX/XX/XXXX, XXXX XXXX XXXX reported a Charge-off on my XX/XX/XXXX pay history. I contacted Customer Advocate at XXXX on XX/XX/XXXX. About 7-10 days later I spoke with XXXX XXXX about the Charge-off. She stated that the loans are sold to XXXX XXXX XXXX and can not make any changes to the credit reporting. I disputed the inaccuracy with XXXX and they upheld the credit report and made no changes. I have attached credit reports of mu XXXX and TransUnion report for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has just been listed this year for a second time. This account was alleged to have been acquired XX/XX/XXXX and has just been re-listed for the second time XX/XX/XXXX. After sitting for close to 6 years it was removed and re-added.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to XXXX XXXX. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & XXXX XXXX which is impacting my ability to XXXX, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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/year>
Product: Mortgage

My mortgage was sold to Shellpoint to XXXX in turn paid my homeowners insurance, my flood insurance and my property taxes XXXX then turned around and made my monthly payments go from {$1900.00} up to {$3700.00} for which they got XXXX payment out of me for that amount. I took myself off of auto pay as I can not afford that kind of payment each month being on XXXX and all please help me get this back on track so I can stay in the home. Ive lived in for XXXX  years thank you.
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.
Product: Checking or savings account

I received a notice from Truist Bank dated XX/XX/22 confirming that on XX/XX/22, I had requested to accept Overdraft Coverage for my account ending in XXXX. I had never opened an account with Truist or had any dealings with them. On XX/XX/22, I called Truist and was told not to worry that the account was opened on XX/XX/22, but it had been closed and there were no transactions. I told them that it was still a concern because somehow someone else had opened an account in my name and I wanted to know how that happened and I wanted an investigation done. They transferred me to the fraud department and they said they would look into it. 
I received a letter dated XX/XX/22 from Truist XXXX XXXX XXXX XXXX XXXX stating that " effective immediately '' it was necessary to close my account. On XX/XX/22, I called the number I had been given for the fraud department and explained the situation and said again that an investigation should have been done to figure out how someone opened an account in my name and asked why after a month all they had done was close the account which I was told had already been closed. I was told that I would need to speak to the XXXX department and my call was transferred to them. I told them the situation and they said I would need to talk to the Identity Theft Department and my call was transferred to them. I was on hold for an hour and a half before I finally hung up. The next day ( this morning ), I called the number they gave my for the Identity Theft Department, and it was not their number ( or anything like it ). I called Truist again and was transferred a couple of times before getting to the Identity Theft department. They claimed they would look into it, but I have no reason to believe that they will or that they will understand the seriousness of this issue this time around.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB case # XXXX was submitted last month for an inaccuracy reported by Synchrony Bank/ Lowes and the creditor Synchrony Bank/ Lowes agreed in writing to update and remove the inaccurate late payment reported to XXXX XXXX and XXXX ; Initially the late payment  was removed - However after the case was closed the late payment showed back on XXXX   several days later - Synchrony Bank replied to myself and the Consumer Financial Protection Bureau this inaccuracy would be removed - I also spoke with 2 managers at Synchrony Bank that acknowledged no payment was ever 30 days late and I have a 36+ month payment history with no late payments ever- Please help me update this inaccuracy as it is erroneous and is adversely affecting the ability for my daughters and I to purchase a home soon!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting inaccurate, false, and unverified information to my consumer report which is defaming my character and causing me to be denied credit. I have disputed this information with the company before and this company is ignoring my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ok so look! Im tired of using the codes and pointing the codes out to the cfpb and these credit bureaus! YOU GUYS DO NOT LISTEN AND YOU GUYS REFUSE TO DO THE RIGHT THING!! I HAVE PROOF! I HAVE SOLID PROOF COLD HARD SOLID PROOF!!! WHO EVER READS THIS PLEASE PAY ATTENTION TO MY ATTACHMENT! EXPERIAN!! XXXX AND XXXX DELETED THIS ACCOUNT FROM MY REPORT!! THEY PUT IT BACK ON AND DID NOT FOLLOW THE PROPER PROCEDURE NO ONE NEVER SENT ME A REINSERTION NOTICE OR ANYTHING RELATED!!! EXPERIAN TOOK THIS ACCOUNT OFF THEY DID THEY THEY DID!!!!!! THEN THEY PUT IT BACK ON!!!! FOR NO REASON THEY NEVER SENT ME A LETTER STATING WHY!!! Yes Im frustrated and yes Im writing in all caps!!!! IM TIRED THESE COMPANIES KEEP THINKING THEY CAN XXXX US!! No not anymore!! Experian removed this account then put it back on and they CAN NOT DO THAT WITH OUT THE PROPER PROCEDURE!!! where is the letter Experian!????? Huh where is the reinsertion letter???? YOU NEVER SENT ONE!! Please remove the XXXX ACCOUNT FROM MY CREDIT REPORT! Please do not respond with be specific! I AM BEING CLEAR!! Please delete the XXXX ACCOUNT. I have attached proof that you deleted it and that you keep putting it back on! Delete this please! Do not respond with this item has been verified. It was deleted already and you reinserted it and you NEVER SENT ME A LETTER OF REINSERTION!! Deletion is admission of guilt and reinsertion requires a process to be followed according to the U.S.C! Please remove this and stop defaming my character! I am asking nicely. I will file suit for defamation of character!
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached documents, the personal information you are reporting are not mine.
Product: Credit reporting or other personal consumer reports

I contacted the credit bureaus to dispute inaccurate addresses and dates of birth, but they failed to update and change this information after I submitted the documentation. 

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

Complaint Type : XXXX XXXX XXXX : Violation of IRS XXXX XXXX FCRA XXXX XXXX Reporting & Inaccurate Credit Reporting Details of the Complaint : I am filing this complaint against the following creditors for violating IRS regulations XXXX the Fair Credit Reporting Act ( FCRA ), and consumer protection laws by improperly reporting charged-off accounts and alleged late payments on my credit report. 

XXXX. Improper Charge-Off Reporting According to IRS regulations XXXX IRS Form XXXX, Cancellation of Debt ), when a creditor charges off an account and reports the cancellation of debt to the IRS, the amount is considered income for tax purposes. Once a debt is charged off and reported as a canceled debt, it can no longer be reported to the credit bureaus as an outstanding balance or active derogatory account. 

Despite this legal requirement, the following creditors continue to report charged-off accounts on my credit report, which is an illegal practice and constitutes double jeopardy in financial reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX. 
XXXX. Improper Alleged Late Payment Reporting Additionally, under FCRA 15 U.S.C. 1681a ( d ) ( 1 ), creditors are prohibited from reporting " transactions and experiences '' directly with the consumer to credit bureaus. These accounts should not be reported as alleged late payments in violation of consumer protection laws. Despite this, the following creditors have improperly reported alleged late payments on my credit report : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX Laws Violated : IRS Regulations ( IRS XXXX XXXX & XXXX XXXX ) Once a debt is canceled and reported as income to the IRS, it can not be simultaneously reported as a collectible debt on credit reports. 
Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681a ( d ) ( 1 ) Creditors can not report " transactions and experiences '' related to internal bookkeeping or charge-offs as active derogatory accounts. 
Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) Prohibits the reporting of inaccurate or misleading information to credit bureaus. 
XXXX XXXX : Immediate removal of the improperly reported charge-off accounts.

Immediate deletion of the alleged late payments. 
A formal investigation into the ongoing violations and unfair reporting practices. 
Compliance assurance from the creditors that they will follow IRS and FCRA laws regarding charge-offs and canceled debts. 
I request the Consumer Financial Protection Bureau ( CFPB ) to take immediate action to enforce federal regulations and protect my rights. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I get my direct deposit to my acct every wenesday at midnight, I had a bill scheduled to auto draft through bank of America 's bill pay on the same day, they charged me a {$35.00} overdraft fees with {$80.00} still in the account and a {$460.00} credit pending ( my payroll/direct deposit ), I called the bank and spoke to someone and he couldn't even figure it out, he was like " oh yea there's the credit '', and when I asked why I'm still being charged a fee he told me " we've already discussed this mam.
Product: Payday loan, title loan, personal loan, or advance loan

Ive requested that the company stop automatic payments from my debit card and checking account but have not received a response from the business. I wish to make payments manually on the due date and revoke automatic payment authorization.
Product: Mortgage

I am writing to formally lodge a complaint against SPS Mortgage concerning recent issues with force-placed hazard insurance on my property and ongoing harassment. 

Despite having continuous hazard insurance coverage through XXXX XXXX, Policy Number # # # #, since XX/XX/XXXX, SPS Mortgage has repeatedly attempted to impose additional insurance charges. In response to SPS 's letter dated XX/XX/XXXX, XXXX XXXX provided all necessary documentation to both SPS and my former bankruptcy attorney, demonstrating my consistent hazard insurance coverage since XXXX. SPS acknowledged this and removed the force-placed insurance fee XX/XX/XXXX. 

However, XXXX actions have been detrimental to my financial stability. In XXXX, I was forced to file for bankruptcy due to XXXX refusal to assist with mortgage loan modifications during a period of financial hardship caused by job loss. Despite assurances of reviewing documents and providing home retention alternatives, SPS proceeded with appraisals and issued foreclosure intent letters, which contributed to the bankruptcy filing. SPS continues to us descriptive and fraudulent practice XXXX. 

In XX/XX/XXXX, SPS again attempted to force-place hazard insurance, despite my ongoing coverage and a " tax escrow '' account. My current insurance with XXXX XXXX remains active. This unnecessary action by SPS has added approx {$3700.00} annually to my payments, increasing my XXXX bill by approximately {$250.00}, even though my bankruptcy case was voluntarily dismissed in XX/XX/XXXX. Additionally, SPS continues to harass me by listing my home on websites such as XXXX, despite all payments being current and up to date. 

SPS has not provided any written notification requiring me to obtain duplicate hazard insurance, nor have I been informed of any lack of proof of coverage that would justify this charge. If SPS requires additional hazard insurance, I request that this requirement be communicated in writing, along with a detailed breakdown of associated fees, the insurance company that would provide the coverage, and the rationale behind needing duplicate forced hazard insurance. 

Furthermore, I am also concerned about the actions of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, which have violated my civil liberties and First Amendment rights. 

I urge the CFPB to investigate this matter promptly and ensure that SPS Mortgage rectifies these issues to prevent further confusion and financial strain. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by the company XXXX ( the XXXX ). The total amount of XXXX USD was transferred from my wallet utilizing their services.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I HAVE NO acknowledgement OF THIS ACCOUNT CREDENCE RESOURCE management. IT IS REPORTING ON MY CREDIT REPORT. I DEMAND THIS fraudulent ACCOUNT BE REMOVED. ALSO, ADDRESSED I NEVER LIVED 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. All accounts above need to be removed from credit report.