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

XX/XX/XXXX I have notice over five inquiries on my credit report which i did not give any permission. 

there were no permissible purpose in which any of these companies to pull my credit and or place any inquiries and my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX 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  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: Debt collection

Around XX/XX/year>, my co-borrower, XXXX XXXX, arranged a payment arrangement with Lloyd and Mcdaniel to pay a debt of {$1800.00} to XXXX credit. She settled out of court and paid the dues from XXXX XXXX XXXX in full. This company has failed to notify XXXX to clear the amount from XXXX XXXX XXXX ( the person who is writing this statement ) and refuses to get in touch with XXXX to clear her name.
Product: Mortgage

I am in process of refinancing my mortgage with a new lender ( XXXX XXXX ). In the process of doing so my mortgage servicer ( hsbc ) had been changed to a new servicer ( XXXX XXXX ). When XXXX  requested my payoff amount from XXXX the amount was over 277,000. My credit report and monthly statement has it listed as XXXX When I called XXXX and have they both could not tell me when I incurred the roughly 25,000 extra. XXXX says they no longer have info and XXXX has it. My problem is I need to know when this extra money was incurred, why and whom approved it ( do they have a signed agreement? ). Please help me get an answer as to why the extra monies are owed and under what proof do they have that I owe it. Thanks XXXX
Product: Mortgage

I got behind in my mortgage and sold the house on a short sale in XXXX 2016. Prior to the closing, in XXXX 2016, a tree fell on the roof and damaged the house. I called the homeowners insurance agent, and the agent came out and assessed the damage. The homeowners insurance gave me a list of contractor from which I chose a contractor to complete the repairs. The homeowners insurance cut a check, made out to the contractor, US Bank, the mortgage company, and me. I endorsed the check and gave it to the contractor. The contractor sent it to US Bank to be held until the repairs were completed. In the meantime, the short sale was finalized. The repairs were not quite done at the time of closing, so I got the approval of the contractor, the insurance agent, and the buyer to close. All agreed since the insurance company had already provided the proceeds for the contractor. The short sale was closed and the settlement statement was sent to the insurance agent to ensure that the mortgage had been paid. However, once the contractor completed the repairs, about two weeks later, the contractor was unable to get the funds from US Bank. US Bank applied the money earmarked for the contractor to principle even though they were paid out of closing the money they agreed to on the short sale. I called the claims department at US Bank. They told me they were instructed to do so by the default department. I spoke to the default department, and they told me that the mortgage assistance department was the department that instructed. I spoke to the mortgage assistance department, and they told me that I would have to speak with the claims department. No one there understands why the funds that were earmarked for the contractor were applied to principle, but I ca n't get anyone to take responsibility and reverse the error. In the meantime, the contractor has not been paid and is looking to me to make the payment. I ca n't afford such a payment. That is why I had homeowners insurance. I would like US Bank to pay the contractor the funds that were sent to them that were earmarked for the repairs to the property. I filed the claim correctly and did followed all the procedures required by the insurance company and the mortgage company. I would have preferred giving the funds directly to the contractors, but was told that the US Bank had to be included on the check. Now they have acted dishonestly and will not correct the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending numerous letters to the Credit Bureaus and yet they have kept ignoring the letters I sent! I am frustrated by this action done by the Credit Bureaus and I am inclined to pursue legal action against the Credit Bureaus. I have read that the Credit Bureaus are required to remove any account and information that resulted due to identity theft under the provisions of the FCRA section 650b. The last letter I sent to the Credit Credit Bureaus was XX/XX/XXXX with complete attachments such as my driver 's license and the ID THEFT REPORT I received from the FTC which are the requirements of the FCRA Section 605b. Despite all my efforts to correct my Credit Report, the Credit Bureaus have grew negligent of their duty to comply with the FCRA regulations and have kept ignoring my letters which is a clear violation of the FCRA statute. I need the following items removed at the earliest possible time : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX FM XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX FM XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX FM XXXX XXXX, TX XXXX XXXX XXXX XXXX ( XXXX Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$290.00} XXXX XXXX  ( Original Creditor : SPRINT ) XXXX Balance Owed : {$690.00} XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that PROCOLLECT would verify the debt. So I took it upon myself to ask PROCOLLECT for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX  XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Credit card or prepaid card

I received a mail letter from Chase on XX/XX/2023 that notified me that my credit card has been closed as well as my savings/checking accounts without any reason. I have tried to call customer service and they still didn`t have any explanation about this decision. This decision has greatly affected my daily life since I can`t even pay my monthly bills as well as my housing Loans. In this way, I really want Chase to provide the reasons why making this decision to close all my accounts and credit card as well as give a solution on how to fix it.
Product: Credit card or prepaid card

I have a Lowes CC and closed it years ago. At the time, as well as currently, I had opted for AutoPay, with a minimum monthly due to be automatically paid on the XXXX of each month. There has been no problem with my Autopay until XX/XX/2020. On XX/XX/XXXX, I logged in to my account and made an ADDITIONAL payment of XXXX, as I have scheduled ( for myself ) a series of additional payments every two weeks ( when I get Paid ) and will have my card paid in full by XX/XX/2020. I then made a payment of XXXX as well, As I am careful with my accounts and payments, I then went in to the CC section, payments scheduled .... and checked to make sure my payments of XXXX, XXXX AND my auto pay of XXXX were all accounted for. They were. On XX/XX/XXXX, however, it seems my autopay DID NOT pull my XXXX minimum. Although my XXXX did go through and my XXXX. My XXXX was then reinstated into my checking, making the CC look like I had made a payment less than my minimum payment due. I received a text from the CC stating that I owe XXXX in minimum and late fees. I called to dispute this charge. I noticed that Lowes CC DID NOT PULL MY AUTOPAY! I spoke with XXXX at Customer Service and she informed me that she would put through a complaint to look into the issue ( # XXXX ), which is fine. However, she told me that it would take 30 days to get an answer and that in the meantime, my next payment would be due and if I don't pay the XXXX before then, I would be assessed ADDITIONAL late fees as well as a collection notice! This information would be turned over to the credit bureaus. MY PROBLEM IS THIS! Do consumers not have the right to, when filing a formal complaint, have the amount disputed PUT ON HOLD, and ALL LATE FEES AND CREDIT REPORTING be held until dispute is settled?
Product: Mortgage

On XX/XX/2021, Solidifi XXXX XXXX emailed us a check for {$350.00}. On XX/XX/XXXX, we contacted to advise them we can not cash the check as it is made to " The XXXX XXXX XXXX Joint Revocable Living Trust '' and we do not have any accounts titled this way. When we spoke with XXXX XXXX of Solidify on XX/XX/XXXX. She asked that XXXX and I send her an email with this request on XX/XX/XXXX which we did. However, on XX/XX/XXXX she asked us to do this again. I emailed her again with this request. I attached the copy of our request of XX/XX/XXXX. Refinancing with XXXX and having Solidifi as our title company has been a total nightmare! 

XXXX XXXX
Product: Student loan

I have bank statements showing were I paid my XXXX XXXX private student loans serviced under AES ( American education services ). XXXX 2016. I received a 30 day late payment report on my credit by the XXXX credit agencies. I was granted a short term payment in XXXX 2016 for 6 months. The payment plan allows me to pay half of the XXXX private loans I have outstanding. My payments are due on the XXXX of each month. I have paid each month on time. My short term payment is now up and I am back to paying the full amount or each loans. I am not sure why they have reported that I was 30 days late when they took the money from my account.
Product: Credit card or prepaid card

Apple Card ( Goldman Sachs ) placed restrictions on my card. To which I was not informed until I tried to use the card. When I called I was told they cant give me the reason the restriction was placed and that I would receive a call with an undisclosed timeline. Week later, restriction removed but no call or email explaining what happened or why. Called them again and received no information on what happened and they were adamant that they could not give me any information and that I would receive and email at some point. This is unacceptable support for a financial service. Ive never dealt with any bank that treats customers this way.
Product: Credit reporting or other personal consumer reports

This account not reflecting the date of first delinquency illegally being changed ( should reflect the month of the first delinquent ). This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account property and you neglect has violated my rights. I am demanding a deletion of the following acount : EXPERIAN : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 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 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 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: Checking or savings account

I am the XXXX of a nonprofit organization in Massachusetts called the XXXX XXXX XXXX XXXX XXXX. Beginning last XXXX, just before M & T Bank acquired People 's United Bank, we began having fraudulent ACH transfers steal funds from our checking account. By the time we realized this was happening, M & T owned People 's United. I went to a local branch in XXXX, Massachusetts and filed a claim. 

Over the next XXXX months, we closed and opened XXXX checking accounts as the fraud continued. M & T was very slow to give us our money back and in XXXX of this year I filed a claim with CFPB. M & T then returned {$20000.00} to our account. 

Our accountant worked for months to rectify the money stolen and the money returned by M & T. On XX/XX/XXXX I wrote to the branch manager from XXXX, XXXX XXXX now moved to M & T in XXXX, Massachusetts, about how to proceed to rectify the difference between what our account says the bank still owes us and what they had given previously. I got no response to XXXX emails so I called and was told she wasn't available ever. 

On XX/XX/XXXX I emailed the president of M & T Bank, XXXX XXXX, to ask for help straightening out the discrepancy. I have not received a reply to my email. 

Our accountant says we are still owed {$5400.00}. We are a small, spiritual organization with a small budget and we can not afford a loss like this when we did nothing wrong.
Product: Debt collection

I had given a 60 day notice to vacate my apartment in XX/XX/2013 from XXXX XXXX XXXX in XXXX, AZ. Since we had purchased our first home and closed escrow on XX/XX/2013. On the written 60 day notice we had given the property manager for XXXX XXXX XXXX the dates were blacked out. Then advised they did not receive sufficient time to vacate the property and were going to be charged an amount of over {$5000.00} to move out plus rent for XXXX. We decided to take this to court. On XX/XX/2013 we appeared in court with the property manager. The XXXX ordered XX/XX/13 XXXX for the agreed eviction/surrender move out expenses of the apartment for the amount of {$2000.00}. We moved out of the apartment and paid the amount in full. Received an additional moved out statement for XXXX. Charging and additional termination fee of {$1900.00} and concession repayment of {$1400.00} on top of the agreed amount. Contacted the property manager for XXXX XXXX XXXX, they advised charges were correct. Contacted their attorney, refused to discuss the judgment unless we were in court. The charges could not be explained or justified, even though we complied with the 60 day vacate notice, which was also blacked out. We also never received a vacate pay or quit notice. We had paid our debt in full and do not owe any debt to XXXX XXXX XXXX or Collection USA company. An amount of {$2900.00} was sold to Collection USA company and still trying to collect this not agreed amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX Acccount XXXX Your company is in clear violation of the law. Under XXXX5 USC 168b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) and consumer reporting agency may furnish a consumer report under the following circumstances and no other.

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

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

Furthermore, The FCRA 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( XXXX ) Exclusions -- Except as provided in paragraph XXXX, the term consumer credit report include -- ( A ) Subject to section 1681s-3 of this title any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report Delete the above late payments from my consumer report this agency is in violation of 15 USC 1681 ( 2 ) ( a ) ( i )
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my Equifax credit report, and I noticed some late payments posted on my credit report : XXXX. XXXX XXXX  - ACCOUNT ENDS IN XXXX, credit Limit {$9700.00}. This is reported as late, delete all late payments. You also are reporting this account balance in error. See attached proof of XXXX  balance. This is an error of accuracy per : Fair Credit Reporting Act 15USC 1681e ( B ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX. XXXX XXXX - ACCOUNT ENDS IN XXXX his is reported as late, delete all late payments. You also are reporting this account balance in error. See attached proof of XXXX balance. 

XXXX. XXXX XXXX XXXX - ACCOUNT ENDS IN XXXX his is reported as late, delete all late payments. You also are reporting this account balance in error. See attached proof of XXXX balance. 

XXXX. XXXX XXXX XXXX ( auto loan ) - ACCOUNT ENDS IN - XXXX, delete all late payments. 

XXXX. XXXX XXXX XXXX XXXX - Listed under closed accounts - XX/XX/2019 marked as late. Delete. I was NEVER LATE! 

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : 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.

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

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$2000.00} per violation for : Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] 5. Fair Credit Reporting Act 15USC 1681e ( B ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within XXXX business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Bankruptcy Filed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Checking or savings account

I have a WellsFargo Account ending in XXXX ( prime checking ) In the past 45 days, I have received over 25 overdraft fees assessed and many of them were engineered ovedrafts created with debit cards ( - {$1.00} or - {$9.00} ) or some online merchants like XXXX, XXXX and XXXX which came in without notice, etc and I have lost over {$1000.00} in overdraft fees in my account since XXXX XXXX I will attach my WFaccount and print screen of these drafts on this complaint to get your support to resolve this issue.