23daVinci/CFPB_Complaints huggingface dataset:
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 / Account number ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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 XXXX 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

The apartment complex XXXX XXXX is attempting to collect a debt that is not owed to them. I applied to this XXXX XXXX last year in XX/XX/year> and did NOT go through with the application. I contacted the leasing office to let them know I decided not to go through with the process. After not hearing from them in a timely manner they still decided to process my application. The leasing agent, XXXX XXXX, did not honor my request and was very dismissive, cold and unconcerned. I DO NOT OWE THIS XXXX XXXX ANYTHING and this debt needs to be removed. Its fraudulent.
Product: Mortgage

Flagstar Loan ( Mortgage ) As per the Cares ACT, Flagstar is in the process of loan modification of my primary home loan. My mortgage did not have any escrow account previously but when the loan modifications documents arrived, there was an shortfall of {$9100.00} added to the escrow calculation in the paperwork. After calling Flagstar it was determined that although it was not an escrow account, they paid my property taxes ( and insurance ) of which they received back the amount of the property taxes back from the taxing authority as I had also paid the property taxes. This was confirmed by their escrow representative XXXX on XXXX on the phone with me. I am trying to get the loan modification document re-drawn reflecting without the property taxes since XXXX but there are been no resolution. I call at least 3 times each week ( I have records ) speak to agents and the escalation teams, they promise to resolve this every time and I keep getting the run around. The different departments Customer Service, Escalations, Escrow, and Underwriters seem to be very dis-jointed. No one person will take responsibility to resolve the issue. They promise resolution and ask me to call back and I get the run-around again. Extremely poor organization in this regard which leads to bad customer satisfaction. I am afraid that they will tag my loan as delinquent and process foreclosure against the Cares Act. I have returned the loan modification document with a covering letter, uploaded the covering letter to their website under my loan, called them at least 12 times, but no resolution. I need this resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear credit report agency, I am writing to dispute the accuracy of the information contained in my credit report. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to delete inaccurate information from credit reports -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand these accounts be deleted from my hard inquieres their unauthorized inquiries If you continue to report this in my credit report it will only compound the legal consequences you will face. I urge you to do the right thing Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Eradicate every claim of the alleged yet unproven to be my responsibility or fault. Several attempts on disputing the accounts to no success, so I decided to file this complaint hoping you can help me out and delete the accounts which are not my responsibility namely XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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  Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX - UNAUTHORIZED INQUIRYY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for thisThe credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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  Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX  - UNAUTHORIZED INQUIRYY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission

According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this.
Product: Payday loan, title loan, or personal loan

On the afternoon of Thursday, XX/XX/XXXX, I entered my information at XXXX indicating my interest in a {$23000.00} personal loan. After completing the information, I was presented with several loan offers. I clicked 'Continue ' on an offer from XXXX. I assumed that they were able to extend these offers after doing a soft-pull on my credit report and that the offers were legitimate and not just click-bait to get you to apply. I was then taken to XXXX 's application page where I completed the rest of the customary loan application information. After hitting the submit button, I was notified by my credit monitoring services that XXXX had done a hard-pull on my XXXX  and XXXX  credit bureaus. This was expected. Then XXXX informed me that my request had been denied. This was NOT expected. If I had thought they were going to deny the application, then I would not have applied. Now I have 2 new inquiries on these bureaus that will affect my score and my ability to borrow funds in the future. If the 'offers ' from XXXX were conditional, they should have made that clear.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX XXXX, was impacted " by the Louisiana DMV Data Breach '' that made World News, impacting all Louisiana residents such as myself. The account and inquiries I have listed are attached with my FTC Report result from Identity Theft, which I'm a victim of. I have no accounts with the companies listed and would like them removed from reflecting on my current credit report. These are inaccuracies resulting from identity theft I have no knowledge of. 

Accounts and inquiries that are not mine are listed below, XXXX XXXX/ XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX Receive Escrow Analysis Letter from Annie Mac Home Mortgage stating Surplus amount of {$970.00} would be sent to me via check if account current within 30 days of receipt of the letter. 

XXXX XXXX XXXX Each month had to call customer service at XXXX to make payment as they stopped sending monthly statements to me. Inquired each month as to why I never received my escrow surplus check, agents claimed that it showed in system, requested check be sent- verified account not past due. They were unsure as to why the check was not sent. 

XXXX XXXX Called to make May mortgage payment again, no statements received still. Inquired about escrow check again, agent verified Escrow check amount had been wiped out of system and check denied for past due account. Agent verified account was not past due. Agent suggested I email the company at XXXX and ask for formal inquiry. 

XX/XX/XXXX, XXXX sent email with copy of escrow analysis letter, copied personal lawyer on email, to Annie Mac XXXX giving them 7 business days to resume sending monthly statements and to send my escrow surplus check or would file formal complaints with government agencies. 

Receive letter dated XX/XX/2023 from AnnieMac that they acknowledge receipt of my email and would respond via mail within legal time limits. 

XX/XX/XXXX, XXXX Called once again to Annie Mac , no statement received, no further reply nor check received. Agent reads to me notes in system saying check denied on XX/XX/XXXX for account status being past due and increase of insurance premiums. Agent verifies account in current status- monies received by Annie Mac being put in suspense account rather than posted to monthly mortgage payment due. Agent initials XXXX, stated she was very apologetic for what her company was doing and had no explanation for them not sending my surplus check. Tried to escalate my call to a supervisor- but they would not take my call. 
Advised agent I was formally filing complaints with all government agencies.
Product: Credit card

I have a credit card and savings account with Capital One. I believed the credit card was closed. However, in looking up my savings account at the end of XX/XX/year>. I saw there was a {$160.00} charge on the credt card account. I phoned Capital One who told me it was a XXXX transaction from XX/XX/year>. I was happy to pay the {$97.00} amount charged by XXXX, but I was not willing to pay the late fees. I had received no communication on having an outstanding debt. I was told to call XXXX and dispute the charge, which I did. XXXX told me I couldn't disput it as the transaction was from XXXX. I changed the card XXXX had on file for future transactions. XXXX, I phoned Capital One. The outstanding balance is now {$210.00}. I was willing to pay the {$97.00} as I felt this my my genuine responsibility. However, I am not happy that I am being charged over {$110.00} in late fees and interest. The lady I spoke to was willing to take XXXX of the {$40.00} late fee charges off the account. When I asked to speak to her supervisor and repeated my request to pay the {$97.00} but not the late fees and interest. I was told the total payment would be {$210.00} this included late fees from the credit card cycle!. I paid the amount and closed the account. 
I believe I would have noticed if I got late fee email notifications from Capital One. I also believe because I have a savings account with the company, some red flag should have been raised in their system that this was not a regular occurance. I feel the message the Capital One company is sending... we are happy to take your hard earned money in late fees and interest, lets not educate people. This is not a mission statement one should be proud of. In today 's ecomony when so many are struggling I feel this is so wrong, which I expressed to the woman I spoke with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, a credit reporting and monitoring company who is responsible for handling my personally identifiable information ( PII ), mishandled my PII which allowed for the information to potentially be compromised. They believe the my PII was compromised. The discovery of this issue happened inXX/XX/XXXX, however the estimated 143 million people that were impacted or may have been impacted were not informed. By their own admission, they will not be informing everyone. 

They provide the option, along with the other credit reporting companies, to freeze your credit to protect against others fraudulently using my PII to obtain financial services in my name. Unfortunately, they charge for this service absent of a police report or file through the Federal Trade Commission ( FTC ).  It is completely unacceptable that consumers will have to pay Equifax, the company who mishandled their PII, to freeze their PII so that hackers who obtained their PII due to Equifax 's mishandling of their PII can not use that PII that they would n't have had if Equifax had not mishandled that same PII. This needs to be a free service, or suits need to happen to refund everyone who paid for this service ( including interest ) afterXX/XX/XXXX. Filing a report and going through official channels takes time, and in the time it will take to go through these steps to obtain a free credit freeze, damage may already have been done which will affect future transactions and add to the cost of those for any impacted consumer. 

Their entire business model is holding consumers accountable for their financial decisions. Equifax should be held accountable for their security decisions.
Product: Mortgage

I was told at time of purchase this house up to USDA CODE at time of sale by owners, one realtor and two different inspectors. The USDA, mortgage company, and legal aide wont help investigate and rectify this gross negligence. This house was sold to me with a huge mold infestation, possibly toxic, the roof that was on paper replaced in 2017 was not replaced they left it there and put a very XXXX built roof around it, they did not remove anything that was water damaged and just covered it up. My air ducts are laying on the dirt ground in the crawl space that is also mold filled, rotted out and holes in all of them and are rigged to the house with asbestos tape that is falling apart. There is also a severe gas leak and a blown ac line. There is no accessible breaker for the furnace, the kitchen sink plumbing was rigged and not actually installed correcting so it is unusable without leaking. The water line on the fridge was rigged as well and began leaking making it unusable. None of the attic joists are secure as they are decaying due to mold same with the whole ceiling. All the floors and subfloors are weak and decaying as well, along with the back deck. This is all according to XXXX  inspectors who refused to weatherize my house in fear of killing my XXXX child and I if they had. We have had to emergency relocate and uproot our lives because our home was unsafe to be living in and weve been here for almost two years breathing this in. We have lost family pets because of this and are experiencing health issues. My XXXX child is XXXX XXXX XXXX XXXX and has had severe XXXX and XXXX with XXXX  because of this prolonged exposure to mold. I have had to completely change his care routine and providers to hopefully save his, his brothers, and mine lives on my own dime because everyone seems fine with us being XXXX  over like this while not considering no one gets money if we all die or become severely ill or financially destitute because of this. I am legally responsible for a XXXX person so what exactly does the mortgage company or USDA gain from allowing this to cause a foreclosure on my part from not having income anymore and trying to maintain shelter somewhere else as well?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account, 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
Product: Credit reporting or other personal consumer reports

I have two fraudulent credit inquiries that I want removed immediately
Product: Debt collection

Good day, My name is XXXX XXXX. I had been recently enrolled in student loan repayments with Premier Student Loans ( They also go by Premiere with an " e '' student loans ), who had claimed to have taken full access to my student loan repayment plan and had set up a payment process with me. 

I had made at least 10 payments or more with them at {$40.00} a month. As well an initial " set up fee '' of over 400 $ with them. I have bank statements and correspondence to prove such. 

I had called their number recently to make last months payment only to hear the recording regarding their lawsuit, which completely shocked me. 

I am really writing this email to find out what the next steps are to retrieving my money or filing a claim against them regarding their fraudulent activities. I am pretty sure I am one of many, however, I am extremely disgruntled by this and would like to gain some understanding of next steps. 

Kindly advise. 

Best regards, XXXX XXXX XXXX ( XXXX ) XXXX
Product: Checking or savings account

My complaint is regarding PNC Bank access to linking to third party apps via the XXXX service. Theyre one of the top banks listed but for some reason, they only allow themselves to be linked to specific apps, despite many third party apps supporting XXXX and giving the option to link PNC. Some apps go through without a hitch and others fail every time whether their two factor authentication is enabled or not. This needs to be corrected and I almost guarantee its all dependent on who pays PNC to allow it. In this specific case, the app is XXXX but I also had the same issues linking to XXXX while no issues at all with the XXXX app.
Product: Credit card

On a reply from Capital One on XXXX XXXX  I am being informed that Capital One has stated " In your request, you also indicated that you believe we should not be reporting your account to the CRAs. However, according to the terms of your Customer Agreement, we may report information about your accounts to credit bureaus. Late payments, missed payments, or other defaults on your accounts may be reflected in your credit report. '' While according to 15 USC 1681b ( 2 ) ( I ) exclusions in reporting containing information solely as to transactions or experiences between the consumer and the person making the report. Reporting a Late payment is a violation of 15 USC 1666B Timing of payments ( a ) Time to make payments, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Capital One has asserted and enforced upon a consumer right directly violating the right to report certain information on my behalf. I have never been given the right to opt out of the reporting on this account this is my final attempt of removal before a small claims will be filed for violations of consumer rights and rights under the Fair Debt Collection Practices Act, Fair Credit Reporting Act and Gramm-Leech Bliley Act. The account is reporting as closed but not removed from still reporting.
Product: Vehicle loan or lease

I am writing again to formally dispute the inaccuracy on my account, which has been reported to credit agencies under my name. Despite my previous letters and attempts to resolve this issue, my account remains uncorrected.The address listed in your records is incorrect, and I did not authorize or sign any agreement with your company. I have contacted you multiple times to have this inaccuracy removed from my credit report, yet no corrective action has been taken.Under consumer protection laws, I request that you immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX sister and every so often, her accounts are added to my credit report. Currently, Transunion is the only crediting agency that has placed most if not all my sister 's accounts. They've even placed her name as the primary name on my credit report and my name as an alias. My sister and I have both tried to get this issue resolved, yet we're in a new calendar year and the issue is still there. This is very frustrating and concerning to me as I am in the process of trying to purchase a new car and those items are still on my credit report. There has to be a better process for resolving these issues that don't place me in a position of possible identify theft because they're asking us to again mail a copy of our driver 's license and social security card through the mail as well as only resolving 1 error at a time, which is taking them a very long time to resolve. Transunion is the only crediting agency that has placed all my sister 's debts on my credit. I was able to contact XXXX over the phone to for them to resolve issues such as addresses, phone numbers and SSNs not belonging to me. Not sure why Transunion makes everything so difficult and they're the credit report most places are using - this is difference of mid to low XXXX credit score to being in the XXXX as I have with XXXX and XXXX, who have it right.