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

In accordance with the credit reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 


1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX OPENED XXXX {$420.00} 2.-XXXX XXXX XXXX XXXX XXXX Opened XXXX {$360.00} 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no report containing any of the following iter other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C. 16818-2 ( A ) ( 1 ) A person shall not furnish any inform : consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

My XXXX account got hacked over XXXX dollars was taken and I did not authorize these purchases nor do I have that kind of money to just throw away. My bank gave me a temporary credit but I want to make sure it doesnt get reversed. I use chase bank
Product: Credit reporting or other personal consumer reports

Here 's a quick summary of what I can remember. 
My bank account paid XXXX twice on XXXX XXXX. I requested a refund of XXXX payment asap. They said it would take almost the entire month to do this so I said that is no good, just leave it alone. I then had my own bank do a reversal and it occurred later in XXXX. I called back in to XXXX to tell them my bank already did an XXXX reversal and so we should be ok now. The Axos ' representative proceeds to tell me my account is current and nothing to worry about. They don't see anything late or missing. I asked if they had sent out a check and if so to please cancel it. I have not received a check from them. If I did, I would have sent them an extra payment to make it up. 

In the mean time, I have made my XXXX and XXXX payments. I get an alert saying my credit scores have dropped. I check and it is drastic. I go from low XXXX 's to low XXXX 's on XXXX of my reports. I tried talking to the supervisor on the phone several times with no luck. 
They have made up their minds on what they think happened and they are sticking with it while mines and my wife 's credit scores suffer. I don't think this is fair. We didn't get to a high credit profile with multiple loans by having bad financial practices and that's how we feel they are treating us.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my transunion report that I have disputed that arent mine. I didnt authorize any of these inquiries. Transunion is not removing these. Which is having a big impact on my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 Hey hope all is well I ask the Credit Bureaus Transunion, XXXX and XXXX to do and verification on everything on my credit report and they did they stated that everything was accurate. I did my own research and I seen that I had inquiries on my credit report being reported inaccurately I never ever inquired Credit from these accounts : XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX The inquiries are being reported on my credit report inaccurately and all I ask is that the Three credit bureau removed these accounts please and thanks. In accordance with the Fair Credit Reporting act XXXX  Accounts, 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: Checking or savings account

In 2019, I had a Discover Bank Checking account, which I closed after returning from a trip to XXXX and XXXX. I found that Discover wasn't accepted at most places where I tried to make purchases. On Saturday, XX/XX/XXXX, I attempted to open a new Discover Bank Checking account. However, a customer specialist informed me that I would not be able to open an account with them. When I asked if I had a balance on the previously closed account, the specialist confirmed that there was no balance and vaguely explained that it was a business decision to not allow me to open a new account. I find that answer to be highly questionable.
Product: Debt collection

I was contacted by my spouses 's brother and wife regarding phone calls from XXXX XXXX onXX/XX/2019.They had been receiving calls for about 6 months prior to this date. XXXX XXXX identified themselves as a debt collector, the name of the store card they represent and gave them my name. I am not associated with these family member 's and my personal business has now been shared with other family members, causing further hardship, anxiety and distress for my immediate family and I. I never gave this phone number as a contact number and it should have never been called. What actions can I take?
Product: Mortgage

Although Citizen 's Bank increased interest rate three times this year, in XXXX they increased the interest rate for the fourth time although Federal Reserve did not increase interest rate since XXXX of 2017. It appears that the Bank is intended to harass us with systematic increase of rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom This May Concern : On XX/XX/XXXX I pulled my credit report on XXXX XXXX and noticed that there was an account for XXXX XXXX  that did not belong to me. I disputed this account with both the collection agency and Equifax, and subsequently it was removed. Proof of its removal is on the attached credit report from XX/XX/XXXX ; there are no collection accounts listed on my report. Upon pulling my report again on XX/XX/XXXX I noticed that this same account was reinserted into my credit report. FCRA requires that the CRA sends written notice of the reinsertion of an item within 5 days, and this was not done. Furthermore, I'm concerned as to how this company was able to reinsert this item into my credit report after previously deleting it after determining that this account does not belong to me.
Product: Credit card

Provided cash advance at 0 % interest and then started charging more than 25 % on that money.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/2024 and XX/XX/2024. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : My records indicate that the payment in question was made on time. Attached are bank statements showing the transaction, confirming that the payment was processed before the due date. 
Inconsistent Reporting : The late payment is reported inconsistently across credit reporting agencies, as detailed in the attached summary of my TransUnion, XXXX, and XXXX credit reports. 
Account Activity Discrepancy : The account in question has been consistently marked as current in other months. The alleged late payment does not align with my payment history, as confirmed by XXXX XXXX 's own billing statements, which are also attache Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX.
Product: Debt collection

Starting Tuesday, XX/XX/2019 throughout the two hours prior of this XXXX-XXXX & XXXX man contacting the CFPB ; I have received an average of 2- 3 telephone calls per day, attempting to collect money from me. The agency never identified themselves ; it was only until today, that they did identify themselves as a debt collection agency. In addition, they have never sent me a single article of mail and/or bill by-way-of the United States Postal Services ( USPS ). The only way I was actually able to fully identify the exact name of their debt collection agency myself was by running a reverse search on their ( various ) telephone numbers on XXXX. I have taken no actions because A ) I do not know which establishment they were hired by, B ) I do not know how much money I ( allegedly ) owe, and C ) They constantly refuse to specifically identify themselves when they call me. Also, Since they have never sent me any mail, absolutely none whatsoever ; I have never received what is known as a 'Debt Validation Letter ' ... informing me of my legal right ( s ) to dispute. In closing, I would also like to note that they have also called my elderly   mother ... my rather ill, elderly mother, for that matter.
Product: Credit card or prepaid card

Please I need your help.I already work with Macy 's they enrolled me due to novel coronavirus in this deferral program to avoid making payments. But they did not let me know the first time I contact them and I was late in a payment the I will accrue Interest in my account, I contacted them again this time I was very clear using the words due to coronavirus can't make payments on time, I was enrolled in the referral program just this time they was clear to let me know the my account will accrue Interest so whatever I owed will be higher.So my question to CFPB even is not my fault not been able to pay on time. I'm in a situation yes, I'm working thanks God but get this my husband is in a Furlough in his job due to coronavirus most of finances is on my shoulders we have XXXX   daughter 's out of work ... ..I do not owed much to the department store but I soon as I have money I will closed account but mean while I'm scared been out control.I need your help and I'm speaking for many people outhere in the same situation.Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 requesting validation on the charge-off accounts being reported on my credit report. I requested to original signed contract and the payment history proving the account belongs to be and should truly be in collections. For the attached accounts, I have not received any documents for the attached accounts and the XXXX day investigation window allowed by the FCRA has expired.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX XXXX XXXX # XXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX, XXXX. # XXXX - Opened on XX/XX/XXXX Unauthorized Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous.

The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Product: Mortgage

The bank became what she thought was her answer that bank and loan companies are now not around so she took the reverse morg. it was either that or lose the house I do not feel that was fair. Now the government owns my home and XXXX XXXX Florida just put in city water when we all had great working wells and is charging each home owner XXXX XXXX to pay for it I am XXXX there are so many people leaving cause they can not afford it and when my daughter when to the meeting she was removed twice for talking about how unfair this was ... the city is now putting in a giant pool which they toss out that the idea over money now all the sudden its being put in the city water was voted in the summer when winter residents were not here to have a input we pay XXXX to get over our bridge and yet our gov. took XXXX of XXXX money to pay off a civil suit he lost ... that would put alot of water in is there anything I can do
Product: Credit reporting or other personal consumer reports

I am submitting this complaint due to the credit reporting agencies continued failure to correct inaccurate information and their deliberate stalling tactics in resolving my disputes regarding an account from XXXX XXXX  ( Account # XXXX ). Despite multiple disputes submitted to Experian, XXXX, and XXXX, this account remains inaccurately reported and inconsistent across all three credit reporting agencies. 

XXXX reports the account as Charged Off - Bad Debt and settled for less than the full balance, with a last reported date of XX/XX/XXXX. Experian reports the account as Paid and legally settled for less than the full balance, with a last reported date of XX/XX/XXXX. XXXX continues to report the account as Charged Off but has updated it as of XX/XX/XXXX, despite the account being settled years earlier. These conflicting reports violate my rights under the Fair Credit Reporting Act ( FCRA ) and demonstrate the credit reporting agencies failure to maintain maximum accuracy as required by 15 U.S.C. 1681e ( b ). 

I have repeatedly disputed this account with all three credit reporting agencies. Instead of resolving the errors, they have delayed their responses, ignored my disputes, or improperly verified inaccurate information without conducting a proper investigation. This behavior is a clear violation of 15 U.S.C. 1681i ( a ), which requires a reasonable reinvestigation of disputed information within 30 days. 

Additionally, I have requested a Method of Verification ( MOV ) under 15 U.S.C. 1681i ( a ) ( 2 ) ( B ), yet the credit reporting agencies have failed to provide an adequate response. Their failure to disclose their verification process further suggests that this account can not be properly verified and should be removed.
Product: Credit card or prepaid card

Tax payer bail out of banks and dependence on banks in the modern world has become part of our history. A new history seems to be emerging based on coercion which has it's platform on social media where you only hear from those who actually write on it. Sadly businesses are making up their own laws and joining the free reign activity and forgetting what their intended purpose is about which is not law making. Government intervention is critical in stopping these businesses from changing our laws just like they have for other hot topics telling businesses they can not discriminate. Stop making up your own gun laws and discriminating against legal citizens.
Product: Mortgage

I have provided all the documentation to Fay Servicing regarding full coverage of homeowner insurance. As well as both Insurance companies. However Fay still feels that there was a lapse in coverage however the documents that we have provided shows that there was not. 

They are charging me over XXXX month for hazard insurance when they know I have full coverage and have had full coverage for the last 20 years. 

They will not allow me to make a payment online at this time and when I call in to make a payment they try to refuse to take my payment unless I pay the XXXX extra for the hazard insurance. 

I have tried to contact them again today and I can reach them!
Product: Debt collection

The beginning : In XX/XX/2017, I was offered by XXXX XXXX XXXX store a XXXX XXXX XXXX  with a discount if I buy a combo package of internet XXXX XXXX and TV CHANNELS, after a little presentation of the benefits of this internet and the price of this promotion, I signed the agreement. 
DELIVERY AND INSTALLATION : At signature, I received the device itself and a schedule date for the installation,. On the installation date XXXX XXXX XXXX, employees came to my house and preceded with the installation, which just a portion of it was completed,. After asking XXXX XXXX to disconnect internet services ; Next day we realised that internet was not working, many calls later a manager of XXXX XXXX XXXX informed us that an issue on driveway made them delay the installation, but it was to be fixed on the same week. 
COMPLAINS : After a month waiting for the installation we called XXXX XXXX XXXX again to check status of the installation and another promise was made, Many XXXX XXXX XXXX technitians showed up on the following two months and nothing was resolved., We hired XXXX XXXX  as our internet provider again, XXXX XXXX was never installed. 
By XX/XX/XXXX a bill from XXXX XXXX arrived, and I informed XXXX XXXX XXXX that I had no intention to keep half of the deal and made clear that my initial interest in switch providers was just because of the possible quality of the internet and price. By XX/XX/XXXX a DIVERSIFIED collection agency called trying to collect a XXXX XXXX XXXX debt. I contacted XXXX XXXX XXXX they couldn't find any past due balance, they transferred me to XXXX depto, XXXX XXXX, and finally after weeks trying to figure this out on XX/XX/XXXX a XXXX XXXX XXXX associate with good intention to help, explained to me how this debt was generated and how to proceed with it in order to have it resolved, I followed his instructions and I made a payment of {$160.00} to close the account and to have my name removed from the DIVERSIFIED collection agency. XX/XX/XXXX I received another call from DIVERSIFIED, And they threatened me, informing that they had not receive any payment confirmation from XXXX XXXX XXXX and they demand the payment, Now not just {$160.00}, but {$780.00},. I spend 14 hours on the phone trying untangled this situation with XXXX XXXX XXXX and another promise was made ; XXXX XXXX XXXX promised to removed my name from debt collector and credit bureaus XXXX XXXX XXXX failed , again. 
I called the debt collector agency DIVERSIFIED to offer them a receipt of my payment with XXXX XXXX XXXX and to request removal of the negative information on my credit and they informed they have no power to clean my name but XXXX XXXX XXXX, I called XXXX XXXX XXXX they said they have no power to remove the wrongful negative information but DIVERSIFIED ; in this back and forth situation I spent another 40 hours with no positive results, my credit score dropped consistently due this collection factor hurting my financials in many different ways.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them