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

In accordanse with the Fair Credit Reporting Act. The list of the accounts below has violated federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, has violated my rights. I have never been late on these accounts. You stated the account information was verified. I then specifically requested additional information about the Method of Verification used. You are required to respond within XXXX days. You FAILED to do so in a timely and responsive manner and are in violation of federal regulations. I am making a final goodwill attempt to have this matter resolved. As such, you must now remove the late payment information and mark the account as paid as agreed.
Product: Checking or savings account

I filed a claim that my card was stolen & XXXX was withdrawn & transfers out my account but not at once on the XXXX & the XXXX, i ask them to check the cameras and everything to show that it wasnt me that withdrawal the money out my account and before this happened they told me my card wasnt working it was under review but all of the sudden my card getting stolen and money getting withdrawn out my account in the middle of the night. I filed the dispute in the XX/XX/2021.
Product: Mortgage

I obtained a HELOC account with bank of America for emergency reasons. For the past several years I have borrowed and paid off account on several occasions using information on B of A online banking screen without any problems. I make payments through instant transfer between my accounts at B OF A. On XX/XX/XXXX I made a payment on amount owed of XXXX since then the account shows XXXX balance. Today I noticed an account notice for my HELOC account which indicated the following. 
Payment due by XX/XX/XXXX {$56.00} Past Due amount XXXX late charges XXXX Estimated Payoff XXXX XXXX. If my account reads XXXX balance and no payment is requested how I'm I suppose to know I need to make payment. 
2. If I made a payment of XXXX ( full amount ) 0n XX/XX/XXXX, how can I possibly be late on payment XX/XX/XXXX. 
3. How can I possibly ever pay this off with all this silly and charges and estimated pay offs if every time I think I paid off account hidden charges appear. 
4 Why I never had this problem before paying the balance on my HELOC account the exact same way I did in XX/XX/XXXX. 
I want CFPB to help me get this account paid off as I see no way I can ever pay it off.
Product: Debt collection

A collection appeared on my account XX/XX/year>. I am not responsible for this collection, and I will not pay it. I have received calls from Credence on the following dates : XX/XX/year>, XX/XX/year>, XX/XX/year>. Credence called from at least XXXX different numbers within XXXX. I also received phone calls XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. During the month of XXXX Credence called from XXXX different numbers. I am aware of the law 15usc1692c ( c ) and I would like for it to be utilized. I will not pay this collection and I no longer want Credence to have any communications with me or things associated with me.
Product: Debt collection

I signed an alarm monitoring contract with XXXX home and it was canceled XX/XX/XXXX, XXXX home staff informed me that the contract must be canceled in writing and they sent me a document which I signed and returned on XX/XX/XXXX and included the evidence. Now in XX/XX/XXXX they sent me a written letter indicating that if I do not pay the debt by XX/XX/XXXX, they will send me the doubt to the credit bureau to affect my credit. The debt is approximately {$500.00}. On XX/XX/XXXX I contacted Zion Debt Holdings with XXXX XXXX XXXX and he agreed to send me a copy of the debt documents, which has not happened at present.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting credit act. The list of accounts has violated my federal consumer protection right to privacy and confidentiality under 15 usc 1681 Account name XXXX XXXX XXXX Account name. XXXX XXXX XXXX Account name XXXX XXXX asso 1614 Has violated my rights 15 usc 1681 section 602 states I have right to privacy.

15 usc 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish can account without my written instruction.

15 usc a ( 5 ) section states no consumer reporting agency may take any consumer report containing any of the following items of information any other adverse item of information other than the records of convections of crime which antedates the report by more than 7 years 15 usc 1681-s2 a person shall not furnish my information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

Hello, I noticed some authorities inquiries on my credit and is asking them to be removed. I am aware of the FCRA and I know that these unverified accounts must be removed. Below you will find all the unverified accounts that needs to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XX/XX/2023 Mr.Cooper asked for proof of my hazard insurance policy and it was provided to Mr.Cooper. In XXXX I received a forbearance letter from Mr.Cooper stating I owed an escrow account and my monthly payment had gone up without any notification. Mr. Cooper added an DIC insurance policy escrow account in XX/XX/2023 without any notification to me, to let me know my payment had gone up, to pay for insurance I already have. I spoke with Mr.Cooper`s Insurance department and they stated my insurance is adequate and Mr.Cooper should not be charging me a DIC insurance policy escrow account, but the billing is not responding to me or Mr.Cooper`s Insurance department either. So here I am pay for Mr.Cooper`s fraudulent DIC insurance policy, what kind of scam is this?
Product: Vehicle loan or lease

I made payments of XXXX dollars for four months in a row on our vehicle starting XX/XX/2021. On month 5 I paid the XXXX dollar payment only For it to be rejected and returned by Wells Fargo. When we called to attempt to find out why, they stated they no longer are banking with us and there was nothing we could do aside from either do a will full repossession or sell our car. We were not at fault and have all the payment history to prove it. We never received an electronic disclosure or letter stating why they stopped banking with us and never once received a letter. The bank stated that they could decide to not continue with the car loan at any time during the 7 year loan. They have not repossessed the vehicle and they wont agree to pick up the vehicle but wont accept a payment for the vehicle. I can not trade it in, as I was charged triple the value of the vehicle.
Product: Credit reporting or other personal consumer reports

I am writing once again to express my bewilderment regarding your credit bureau 's handling of the investigation into the fraudulent account on my credit report. 

As you are aware, I have submitted the necessary FTC report to the Federal Trade Commission regarding this fraudulent account, and subsequent to this submission, XXXX and XXXX have removed this account from their records. 
Additionally, I have directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I find it perplexing that this account still being reported by your bureau. 

It is crucial to recognize that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only breaches this obligation but also exposes me to further harm. 

I request that you promptly eliminate this account from my credit report, consistent with the actions taken by other credit bureaus. Failure to do so will leave me with no alternative but to pursue legal action.This account of concern : XXXX XXXX XXXX.
Product: Debt collection

Because the Collection Company can not provide tracking confirmation showing that I received the Validation Notification via mail or electronic prior to them reporting to my Consumer Credit Report, they are in direct violation of the FDCPA and MUST remove it off my Consumer Credit Report IMMEDIATELY. I WAS NEVER REPRESENTED BY AN ATTORNEY INREGARDS TO THIS ISSUE BECAUSE I HAD NO KNOWLEDGE VALIDATIING THIS ACCOUNT AS I PREVIOUSLY STATED IN MY ORIGINAL DISPUTE. WHERE IS THE COPY OF THE ORIGINAL CONTRACT SIGNED MY ME. 
SHOWN ON MY CREDIT REPORT : NTL RECOVERY AGENCY {$6600.00}
Product: Checking or savings account

My Wells Fargo checking account is being closed because of purchases that I did not make. My account is scheduled to close on XX/XX/XXXX. I had XXXX fraudulent transactions that were made on my account that are totaled to {$83.00}. I tried to dispute these fraudulent charges and then got a message and letters saying that my account was being closed without me being able to do anything to stop it.
Product: Mortgage

I 've had a morgage for about 16 years, never late until recession when I lost my job. I paid two months behind for about a year, then caught it up and have never been late since. I did have to bankrupt in the recession, but I reaffirmed on my mortgage. Mortgage started with Countrywide, then went to Bank of America, then XXXX XXXX, then XXXX, and now XXXX. At some point, was reported by Bank of America that mortgage was included in bankruptcy when it was n't. I submitted documentation at that time showing it was reaffirmed from my lawyer both to Bank of America and credit bureaus. Bank of America discovered they had my social security number wrong by one number, and it was THEIR error, but they said they could not straighten out my credit report, they refused, and then when I disputed with credit bureau, they REMOVED my mortgage account all together and say they can do nothing else. XXXX, who now services my account, assured me they would report, but now Bank of America account is back on there as being included in bankruptcy, then XXXX is listed separately under adverse accounts, says was included in bankruptcy, and that account was CLOSED and included in bankruptcy in XXXX of XXXX. My bankruptcy was in XXXX. I have launched disputes online again, but XXXX credit bureau would n't let me dispute anything about Bank of America again. I do n't have the money for an attorney, and I have suffered all these years when my credit should be much further along in being repaired. I have been turned down and given higher rates due to this. It always says " lack of real estate loan '' and such. I feel like there is nothing I can do now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these hard inquiries listed on my credit report : Trans Union : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I have a home mortgage with XXXX XXXX & got behind on payments. I was working with an XXXX XXXX & was told to send {$5000.00} & it would bring my account current. I sent the funds in the form of certified checks from my bank, XXXX XXXX XXXX, broke down into XXXX checks like I was instructed to & mailed where I was told. I sent XXXX overnight & have proof of delivery & copies of these checks. They were wrote out to XXXX but XXXX XXXX never received these funds & it was never credited to my account. Instead these checks show being deposited into " JP Morgan Chase Bank '' I have never had an account with Chase Bank. This was done XXXX 2014 & now this total with XXXX XXXX has accumulated to {$28000.00} due to getting further behind, lawyer fees, foreclosure fees, etc.. because we were trying to modify our payment & that did not happen when JP Morgan Chase Bank allowed whomever to deposit these checks into their account. I along with my bank ( XXXX XXXX XXXX ) have reached out to JP Morgan Chase Bank to return these funds, get information on who 's account these funds were deposited into and they have been very uncooperative. JP Morgan Chase Bank refuses to give me my money back & claim that the certified checks were XXXX party when they were not. The checks were made to XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not receive them.
Product: Credit reporting or other personal consumer reports

I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING. PLEASE SEE ATTACHED.
Product: Credit reporting or other personal consumer reports

i was reviewing my credit report and noticed that my personal information was wrong
Product: Credit card or prepaid card

Login issues continue over a week. Tried to login on XX/XX/XXXX to pay bill due XX/XX/XXXX without success. Tried again on XX/XX/XXXX - payment due date- around XXXX and received errors. Tried again after XXXX on XX/XX/XXXX and was able to access my account however the time was after the due date time so will be accessed a late fee. When attempting to call the service bot hung up twice. After calling back XXXX times was able to get in touch with a human who ultimately assisted me with my issue/concern. On their FAQ page they indicate that customers will receive late fee waivers between XXXX XXXX however I still experienced issues and errors while attempting to access my account on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I applied for an extension on my car loan with bbt website, the web site finalized my application and informed that in 24 to 72 hours someone was to call me to explain my options, nobody called me instead they sent inadvertently emails which I am sure it went to spam. in XXXX I received a statement showing a a past due requiring a immediately payment, I contact the bank expecting an explanation like it was a mistake but in fact they informed that my extension was never approved. Well understanding the risk of have my credit damaged by this bank I rushed and squeezed all of my money to pay this past due and it was paid, last month they reported a 30 late payment on my credit it doesn't reflect the truth. 
Please accepting my complain and help me removing this negative information from my credit Best regards and always respectfull XXXX XXXX
Product: Credit reporting or other personal consumer reports

Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, XXXX has neglected in writing to comply with the previous. XXXX after receiving a certified letter via USPS, including the XXXX ID theft reports made to the Federal Trade Comission, suffered after the data leak from certain payment processor, for insurance companies including but not limited to XXXX XXXX, XXXX XXXX of Texas. XXXX on an email received today neglects removal for unrecognized inquiries from : XXXX XXXX ( XXXX ) on XX/XX/XXXX XXXX of XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX 1 ) XXXX falsely states not having sufficient info, and does not provide verification providing my authorization. 
XXXX ) XXXX asks for my SS card, ID and proof of address, fraudulently trying to distract regulators. 
XXXX ) XXXX affects the consumer financially, by lowering the XXXXdit score for more than XXXX points, causing a mortgage lender to increase by XXXX bps the 30 yr rate for a mortgage this month, liable for the impact after : A ) receiving second dispute via USPS registered Mail with returned receipt evidence, including FTC idtheft reports, ID, SS card, and report number. 
B ) XXXX fails to provide any kind of verification documenting my bearing signature with those creditors. 
C ) XXXX omits to overview the letters received previously carefully, and the against evidence of receiving all they irresponsibly and fraudulently detail on their email, in an effort to avoid liability, and the potential court claims for defamation, and disclosure of private information. Second letter delivered XX/XX/XXXX. 
XXXX is in a breach of the FCRA, and applicable civil codes related to privacy, and against the FTC mandate for ID Theft cases.
Product: Credit card or prepaid card

I had a credit card with Capital One and it was charged several different transactions that I did not authorize. They are stating I owe them {$1000.00} and I did not make any of the transactions. I placed a fraud claim on this account in XXXX of 2019 and they denied my claim. I tried to dispute it but they refuse to fix this issue. Now it is reporting every month charged off on my XXXX report and it is affecting my credit score. I have mailed letters and have filed an Identity Theft report due to these fraudulent charges and somebody using my credit card, but Capital One refuses to look into the matter and refuses to remove the fraudulent charges and are making me pay for it. I have also disputed this account with the credit bureaus and they are claiming the information being reported is accurate. XXXX is not reporting a high balance as they should, they are in violation of the FCRA.
Product: Credit reporting or other personal consumer reports

Nordstrom keeps reporting on my credit report that this was included in my bankruptcy and it was NOT! Mi have attached proof. have disputed this for years & they are refusing to change the report. It shows and always have shown that I paid on time ; never late ; positive ratings on my credit report. Now its a red flag on my credit report stating they are saying it was included and discharged through Bankruptcy so now my Credit has a flag and its lowered my credit. This is all incorrect information and I need them to correct it ASAP because its impacting my ability to purchase a home!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed reference XXXX with TransUnion and in response they stated they verified the item as accurate, stating that they verified this with the courts. I contacted the court and there response is enclosed. It is clear that they do not report to TransUnion or any other credit bureaus for that matter. Therefore their original response of verifying the item with the court was either an error or false. Either way the reporting requirements verifying method does not comply with FCRA section 611 15usc 16811 and the item must be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been trying to get Equifax to correct my home address for a month ( XX/XX/XXXX-XX/XX/XXXX ) ..sent in required proof of address 3x ( copies of s.s. card/drivers license and letter from US Treasury with my correct address ).  talked to several agents with this company who agreed that they had received my documents and assured me that the problem would be fixed. on many occasions I 've been put on hold with no one responding, directed to another # # that sent me to recording with no resolutions. they have my address from 4yrs ago as my current address. I moved 3yrs ago to an address that they listed as previous address. I have been at my present address for 2yrs. I 've gone to their web page to submit online dispute but it only states temporarily unavailable..
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX : XX/XX/year> SS : XXXX The CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the credit reporting agency, block information from appearing on my consumer credit report that is that result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal loan or loans, credit cards, and other accounts from XXXX XXXX acct XXXX XXXX {$78.00}, XXXX XXXX XXXX acct XXXX XXXX {$10000.00}, XXXX acct XXXX XXXX {$5900.00}, XXXX acct XXXX XXXX {$4800.00}, XXXX acct XXXX XXXX {$1100.00}, XXXX XXXX XXXX  acct XXXX bal {$1800.00}, XXXX XXXX XXXX acct XXXX XXXX {$1300.00}, XXXX XXXX XXXX acct XXXX XXXX {$1800.00}, XXXX ( inquiry ), XXXX XXXX XXXX ( inquiry ), XXXX XXXX XXXXXXXX XXXX XXXX XXXX ), XXXX XXXXXXXX  ( inquiry ), XXXX XXXX XXXX XXXX XXXX ), XXXX ( XXXX ), XXXX XXXX ( inquiry ), XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ( inquiry XXXX XXXX XXXX XXXX ( inquiry ), XXXX. XXXX  ( inquiry ), and XXXX XXXX ( inquiry ). 

These accounts have resulted in serval hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being mentioned 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 the 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

ALL ( 3 ) " CRA '' REPORTING INCORRECT OUTDATED SINCE 2013 AND " PACER '' DATA OF ACCOUNT NOT MINES ... .. CHXXXX BANKRUPTCY ID # XXXX AND DUPLICATED OF VARIOUS OTHER ACCOUNTS REPORTED UNDER THE SAME AS BANKRUPTCY ... ID FRAUD ACCOUNTS " : BANKRUPTCY XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX, XXXX/ XXXX, XXXX XXXX/ XXXX, XXXX XXXX '' .. REMOVE ALL FRAUD ACCOUNTS FROM CREDIT FILE ASAP.
Product: Student loan

I have XXXX loans with Navient which at any time I have put a forberence on them or allocated them to XXXX monthly payment they have been done in error. There is always XXXX, XXXX or XXXX that have been left off the forberence or allocation. I actually allocated them down to XXXX payment in XXXX of XXXX for the a month of {$110.00} for all XXXX loans ; but started receiving calls beginning of XXXX XXXX. When I finally got ahold of someone at navient and questioned why they were calling it was because 'one of my XXXX loans was past due '. How could that be though?! I allocated all XXXX having made the first monthly payment myself online, with no autograft, in the amount of {$110.00}. Ironically they were deducting almost {$11.00} less from my agreed monthly auto draft therefore making me late on XXXX of my loans. What 's even more ironic is this exact same thing happen to my significiant other. He allocated all his loans a XXXX, in XXXX started receiving calls that XXXX was late.
Product: Credit card

They denied me for too many inquiries and that is bull 18 usc 9.

12 usc 1431.

18 usc 911.

15 usc 1691.

15 usc 1642 12 cfa /1002 19 cfr 24.3.

12 cfr 1002 18 usc 1001 15 usc 1602 15 usc 1681 c2. 15 usc 1605 18 usc 242 depriving me of what's mine and keeping me from my rights according to the US Now these are violations that can be brought up for a law suit in which thats the next step if not resolved
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX have said they conducted their investigation but unable to provide all the necessary information requested about their investigation. They continue to report false and erroneous information. They have also denied the fact that they have personal information which is not correct. They are harming me and my credit by not doing their propper investigation of such. I demand all those account be remove immidiatly if not able to provide anything in return.