23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a XXXX year old woman with XXXX XXXX XXXX. My only source of income is Social Security which is protected by federal law from being garnished. Stenger has previously been informed of my circumstances. 
On XX/XX/2021 XXXX filed a Summons & Complaint. On XX/XX/2021 an unknown white male showed up at my door. Being a single XXXX year old woman, I do not answer my door to unknown. In the process of banging on my door unknown male maliciously destroyed my doorbell. I believe this is Stenger 's way of trying to intimidate seniors. I knew at a later date that this is the process server Stenger hired because I found his notice blowing around in my yard when picking up trash. I have filed a complaint with the police and will be seeking reimbursement of the cost incurred in obtaining and installing a new doorbell. 
Also, I am drafting a grievance against Stenger with the Michigan State Bar. 
From my research on Stenger they are known to be very shady. I am watching out so they do not try to enter a Default Judgment. They are " bottom feeders ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, Wishing you well today! Thank you for taking the time to read this message. Attached are pictures of past missed student loan payments that are significantly lowering my current credit score. When I first got out of college, in XX/XX/2015 as stated above, I was not aware that my loans were due. This hurt me for 2 months before I realized it as I had no credit at this particular point in time. Though my only excuse is being young and naive, I did not understand how credit worked at the time. I did not even own a credit card, and I had no established credit. I am just writing this to humanize myself and to hopefully have these derogatory marks as I have made every credit payment since! My loans were actually deferred for an entire year due to low income as well. I fully intend on continuing to do so, in terms of maintaining all of my payments in a timely manner, in my present and my future. Please help me create the credit I know I am capable of achieving and maintaining. I appreciate your time and efforts.
Product: Credit reporting or other personal consumer reports

on myequifax.com i can not access my credit report. i get an error message of blnk i complained until i am blue in the face. yet they still have not fix it, even though i vertified my identity. according to the FCRA, it is illegal for a consumer to not be able to access his credit report.
Product: Mortgage

PNC Bank are scammers and gougers! 

They are trying to increase my fixed rate loan to 8 %! The prime rate is currently 3.25 %! This is outrageous. They stated the bank didnt want to lose money and I am stuck in my variable rate loan, with no control. 

I contacted them today XX/XX/07 to make sure my entire HELOC loan could be switched to a fixed rate, to lock in rates before they rise. Id have to be insane to lock in an 8 % interest rate. They said they could raise it as high as 24 %, which is predatory. They stated they sent out letters warning clients to lock in rates now, I never received any such letter. The feds have only raised rates once this year, and it certainly wasnt to 8 %. 

This sickens me and if I could turn back time I would NEVER choose PNC Bank. I am stuck with them and our HELOC loan as well for 178 months.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX  Incorrect DOB : - XXXX Employer - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX continues to furnish incorrect and unauthorized information about me without my consent. My attempts to have this account removed/ deleted due to the inaccuracy that is inequitably furnished by your organization on my Consumer Report has been ignored and or pacified. I filed a report on the CFPB portal with Transunion and XXXX on XX/XX/XXXX. Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused the following ; 1. Credit Denial for an Auto purchase loan According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vita role in assembling and evaluating consumer credit and other information on consumers. I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy.

I am attaching a copy of a consumer report dated XXXX that was furnished by Transunion. This report shows XXXXXXXX XXXX reports made to Transunion. The reports show the account in question being reported completely different from what it is now reporting. The balance shows {$0.00} and paid in full/ paying as agreed in XX/XX/XXXX. Transunion and XXXX continue to furnish reports that is consistently changing. Charge off dates constantly changing and contradicting on a monthly basis. XXXX XXXX is furnishing fraudulent documents, dates and information that is consistently changing. 

I am also attaching a consumer report dated XXXX that shows a whole new set of dates and information furnished by XXXX and reported by Transiunion XXXX XXXX on my consumer report.

I request you immediately remove XXXX from my consumer report. I have informed you of the inaccurate reporting and have furnished multiple documents furnished by you ( Transunion/ XXXX ) that shows the contradiction and various reports that are inaccurate and inconsistent. If this account continues to be to be validated and furnished I will be forced to take this matter to court and include Transunion / XXXX in the lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX Balance Owed : XXXX XXXX  XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX XXXX DO illegally sold my medical information to XXXX XXXX XXXX in the amount of {$780.00} violating my rights under the hipaa laws required to protect sensitive patient health information from being disclosed without the patient 's consent or knowledge. This office is now permanently closed. 

On XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  and XXXX illegally sold my information to XXXX XXXX XXXX in the amount of {$760.00}. I dont even know who the original creditor is to have a debt with them. 

On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX illegally sold my medical information to XXXX XXXX in the amount of {$77.00} violating my hipaa laws required to protect sensitive patient health information from being disclosed without the patient 's consent or knowledge.
Product: Mortgage

Hello, we had a house fire on XX/XX/2021. We have a forced place insurance policy that we were advised covered the structure of the home. We were forced to secure the property on our home and the insurance adjustor did call us back until the following week. When we asked the reason for the delayed response we were told that he had an emergency and went out of town, like our house was not a priority even though we almost died escaping the blaze and had not just lost our family pet. 

When the claim was filed we discovered that the insurance policy covered XXXX of damages while the insurance adjustor recorded approximately XXXX worth of damages. We notified the insurance company of the discrepancy and that the amount of insurance coverage did not cover the lenders interest in the home and and they escalated the file due to the obvious discrepancy in the policy and policy limits. 

Today we were informed that the lender would not increase insurance coverage and that basically we were on our own. We have no where else to go. We have no HVAC, our electricity has not been repaired and is still a potential fire hazard, the home needs a repipe and there is a potential for a gas leak. We can not afford to pay the mortgage and restore the house to what it was before the fire. 

I feel like the lender is attempting to squeeze us out of the home since our mortgage is low and the property values in the area have skyrocketed. We don't want to lose our home but feel like we have few options since the lender has railroaded us and keeps us in the dark and giving us the runaround regarding their expectations for getting the home back up to code.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Credit Card Account Name : XXXX XXXX XXXX Account Number : # XXXX Amount in Dispute : XXXX To Whom It May Concern, I am writing to formally dispute the collection account listed on my credit report under the account number # XXXX, which reflects a balance XXXX. According to FCRA ( 15. U.S.C 1692C ) its illegal to report anything on my credit report without my permission. Please remove this negative item from my report with 30 days. 
Thank you for your attention to this urgent matter. I look forward to your response within the XXXX period allowed by law. 
Sincerely, XXXX XXXX
Product: Checking or savings account

wells fargo is malicioulsy preventing me from utlitzing a legal POA on my mother.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and that the disputed inquiries being reported on my Personal Credit File were never authorized neither initiated by my nor anyone I allowed to. By the provisions of the FCRA, I am requesting that the Credit reporting agencies deleted the disputed inquiries completely from my Credit report and stop their erroneous reporting..I previously requested proof of verification bearing my signature to support the Credit Bureaus claims that the dispute inquiries belong under my name. Once again, I need the following inquiries deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX FS XX/XX/XXXX
Product: Mortgage

RoundPoint mortage added extra insurance to my account unnecessarily. I never lapsed coverage and did not need any extra coverage. They did this and are now trying raise my mortgage by almost {$400.00}. I dont need two insurers on my home.
Product: Credit reporting

To Whom It May Concern, I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : To Whom It May Concern, I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : Name of Company Date of Inquiry Type of Business XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/XXXX XXXX XX/XX/2016 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because I do not recognize the account on my credit report.I believe that I may be a victim of identity theft. I do not recognize theis account and have never incurred debt with these creditor. I do not know where they came from. Thus, I am requesting that you please verify the validity of this account, and remove them once its confirmed that it is not mine.
Product: Debt collection

I had a checking account with XXXX XXXX. It was in a negative status and ended up closing. The debt was transferred to XXXX XXXX who reported on XX/XX/19 the debt owed was {$650.00}. Today XX/XX/19, XXXX XXXX  called me to obtain payment. They advised the balance is {$750.00}. I asked why the balance was higher and was told it was other fees that XXXX sent over and it will take up to 30 days to find out. I was then notified that this is accruing 18 % interest and I better get it taken care of. Yes find it completely unfair I was never mailed anything on this or told that interest would be accruing. I advised I am waiting on my tax return and asked if I could start smaller payments. I was told someone else would have to help me and was transferred. The second person I asked why I couldnt settle the account and why there were other fees and was told it was probably the interest. I wasnt aware interest could be charged after the debt was charged off and reported. Nothing was mailed or disclosed to me until now. I have been trying to come up with the funds or I would have paid it sooner. I don appreciate the evasive answers and condescending tone that was used.
Product: Debt collection

Aqua Finance is reporting an account in my name, beginning around XXXX XXXX. This is not my account. I have never done business with this company, never signed a contract, never received a bill. The ever-increasing debt of over {$3000.00} is simply not mine. Upon further scrutiny, I 've discovered that the address associated with the account is my ex-wife 's. I did not sign for or agree to purchase anything relating to that address ( XXXX XXXX XXXX, XXXX, FL XXXX ). I can only assume Aqua Finance has decided to forgo due diligence in confirming the validity of the account. I have disputed this account multiple times and it is verified as accurate each time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I was contacted by a rep of Capital Accounts at XXXX on XXXX/XXXX/2015. I talked to the rep, told him I was disputing the debt and would be calling the original creditor. I called the XXXX to which the debt pertained and got a recording that they opened at XXXX. I then realized that I was contacted too early and called Capital Accounts back to complain. I informed the rep that he contacted me too early and that it was an FDCPA violation and he asked what law he broke. I told him " FDCPA, fair dept collections practices Act '' he then said there was no such law. I informed him there was and he was in violation and asked for a supervisor. I then spoke with a supervisor, XXXX XXXX, who did not apologize or acknowledge that my rights had been violated. He told me that I was in central time zone. I told him that I was in mountain that my address and phone number, though different states, are XXXX from mountain time zone. I asked for another person above him to speak with and he said they would call me back. When I did not receive a callback I contacted them again to write a written complaint and asked for their company information. I specifically asked for their company name, phone number, address, and website. The rep told me she could not give me that information and would transfer me to a supervisor during which time I was hung up on. I called back again to get the information and the rep refused to give me the information as the original creditor had already contacted them and there was no longer a debt to dispute. I told him I was not disputing the debt I wanted his companies contact info. After repeated requests he finally gave me the info. When I asked how to Spell Capital he laughed at me and said with a C. At this point I was at my whits end and I did inform him that capital is spelled capital or XXXX and I did curse at him due to my frustration. I have recorded all of these conversations is they would be of use during this investigation.
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. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Date Opened : XX/XX/2014 Balance : {$640.00}
Product: Credit reporting or other personal consumer reports

The company Bank of America reported to the credit bureaus that my account was closed on XX/XX/year> which is was not. In the response they sent to CFPB on XX/XX/year> they included statements showing that the credit line was open and had available credit. I have been disputing this with Bank of America for 4 months and escalated this to CFPB on XX/XX/year> because the credit bureau XXXX did not do their job. CFPB closed the case as satisfied to which Bank Of America showed negligent in their response by not changing the credit bureaus record update on reporting the account as closed. This inappropriate reporting harmed my credit by over XXXX points on all credit bureaus. It also caused my other creditors to reduce my lines of credit and or closures to lines due to the dramatic change on my credit score. Further causing more harm to my wellbeing.
Product: Credit reporting or other personal consumer reports

I was never late on my payments, yet there are 30, 60, and 90-day late remarks in my payment history. This is a clear violation of 15 U.S. CODE 1666B. These inaccuracies must be REMOVED from my payment history immediately. 

XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> Experian requested and obtained a copy of my consumer report without my consent or a permissible purpose, in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. According to 15 USC 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report when provided with written instructions from the consumer to whom it relates. I did not provide such written instructions.

This company 's conduct has blatantly violated my privacy, and I am extremely upset by this unwarranted invasion. Under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both ( 15 U.S.C. 1681q ).

DELETE this unauthorized inquiry from my report immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Acct : 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 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 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any following information. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX inquired on XX/XX/2022 ; XXXX XXXX XXXX inquired on XX/XX/2022 ; XXXX, XXXX inquired on XX/XX/2022 ; XXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX XXXX inquired on XXXX XXXX XXXX The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.