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

in accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 Section 602 States i have the right to privacy.

15 USC 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. Code 1681a - definitions ; rules of construction- exclusions -- - ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. 

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Third time I have submitted dispute with Equifax for incorrect information on paid balances. All collections were paid XX/XX/2022 at time of closing of real estate. XXXX XXXX has already corrected XXXX of the XXXX issues. Equifax has incorrectly identified me as XXXX XXXX. Equifax is refusing to accept downloads for documentation. Equifax has a XXXX balance posted on a paid collection account. Equifax is unfairly and purposely engaged in targeted harassment against me. The average point increase for payment of collections is an average of XXXX points increase per paid collections according to the webpage in writing. Equifax has increased my score by XXXX points for paying XXXX accounts in full. Equifax is currently engaged in targeted harassment and unfair business practices directed at me. The closing of property is public records. Title company is not going to allow me to sell property without paying all collections at time of close. Equifax is purple not changing my score in spite of payment. Erroneous and inaccurate information is my entire account with Equifax. Equifax is no longer accepting any documentation from me via them dispute website. I believe that this is targeted discrimination in response of me questioning against the inaccuracies of their business
Product: Mortgage

I was behind on mortgage payments but had agreed to a repayment plan. No foreclosure proceedings had began. On a Sunday morning in XX/XX/XXXX, 2 strangers entered my unlocked sliding door. I obviously had a breakdown. 3 police cars came out as I thought I was being robbed. Turned out to be a 3rd party that Shellpoint Mortgage sent. I have had horrible XXXX XXXX  since. 

I reside in a condo so I am required to provide HO-6 ( wall 's in ) insurance. They forced wall 's out insurance although I had my association email them the master policy. The representative had it since XX/XX/XXXXand never updated the system. My agreed repayment for 6 months is XXXX but because of the forced, illegal placed insurance, the amount is over 1300.00. 

So I wouldn't be in default, I made the higher payment in XX/XX/XXXXand was told the payment will go down when the illegal insurance is removed. Also the extra monies paid in XX/XX/XXXXwould be applied to XX/XX/XXXX. I am still unable to make my payment as the system still shows the over 1300.00 payment due and noone can help. The last conversation via email, i was told to contact their IT department. 

Who is the client? I obtained the master policy, made every initial phone call. 

My 4th amendment has been violated as I know longer feel safe in my own home.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax, XXXX  and XXXX has some accounts on my credit that is not mine.
Product: Credit card or prepaid card

I signed up for the quicksilver card which sent spend {$500.00} in the first 3 months and receive {$200.00}. I've spent well over {$1500.00} and they say the offer wasn't applied to my account
Product: Checking or savings account

I deposited 2 checks on XXXX one from XXXX XXXX for XXXX and one from a lawsuit for XXXX. Well, its the following Friday, they still have not released my funds nor the XXXX that section XXXX states they have to. So I had bills set to come out the passed weds that were returned that I will have to pay a returned check fee in but I also have no money to get by due to them not even releasing the amounts their legally obligated to do. Im buying a house at the end of the month and I pray that this doesnt affect my credit score due to returned/potentially late payments.
Product: Credit reporting or other personal consumer reports

I have reported an identity theft account to all XXXX bureaus, i have provided a Columbus Police report and a FTC Report, XXXX has since removed the item from my report. Equifax and XXXX are still showing it.
Product: Payday loan

Lender keeps contacting me Harrassing me to pay them back in full when I clearly stated I am currently not employed and I could try to make small XXXX dollar payments until I start working. They said if i didnt pay in full or in XXXX payments of {$88.00} dollars they were going to take me to court. I tried to set a payment plan and they keep harrasing me calling me to threat me to pay them or I will go to court.
Product: Mortgage

Rocketmortgage did not pay my home owner 's insurance out of my escrow account. My insurance was canceled and I had to renew it at a different price. I was without insurance for 3 months. I tried to resolve this issue, even had the home owner 's insurance company to contact them. They are all of this my fault. They said I was without the 3 months coverage and I own {$470.00} XXXX and some change. I wanted to pay the XXXX without it being added monthly payment but they did anyway. Now they say my escrow account is short by a XXXXXXXX XXXX I returned a check to them for XXXXXXXX XXXX for my escrow account. But I can't seem to get a straight answer from them as to how my account is short if I haven't missed a payment. They are the ones who caused this issue by not paying my home owner 's insurance. I thought this is what your escrow account is for.
Product: Debt collection

Upon noticing inaccuracies in the report, the undersigned took it upon themselves to reach out to the creditor to request validation of the debt, but to their disappointment, the creditor failed to provide any supporting documentation. The concern pertains to the account in question, which is erroneously listed as a late payment account. Therefore, the undersigned insists that the credit bureau provides concrete evidence of this account being late. If such evidence is not forthcoming, they demand the immediate removal of the negative payment status associated with this account from their credit report. The following accounts were always paid on time and are therefore being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXXXXXX. I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am the ongoing victim of cyber  stalking, hacking, harrassment, identity theft, benefit fraud, real estate fraud, trust fraud, XXXX fraud, bank fraud these companies were listed on my XXXX credit report ( i have never heard of these, never applied, or gave my ssn, or recieved, they are all fraudulent ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX experian says there is a credit freeze my ssn is XXXX, i have tried to unfreeze it, it wont work, i can not access money or employment to survive
Product: Credit reporting 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 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Checking or savings account

I am not sure where to direct this, however I will explain the situation here. 

In XXXX my daughter received an email from a professor at her school that offered an opportunity to make money. My daughter applied and they sent her a check to deposit so she could purchase products for them. I am sure you are familiar with this sort of scam. 

In XXXX she went to the store and tried to purchase the products. However, the check had not cleared the bank. She called the bank in response to the denial of her purchase and the bank went ahead and actually cleared the check and made the funds available. Then she was unable to complete the purchase due to the cost being higher than her ATM limits. Once again the bank jumped in to lift those limits and to allow her to buy several times the daily limit worth of product on a check they prematurely cleared. 

Of course the check didn't clear in the next few days. We talked to several different departments at the bank and then about a week ago, after the bank closed her account and my credit card account with them, they took money out of my checking and savings, as well as my son 's checking account. 

I believe that many people are culpable in this. Her school needs to have better security so people can't use it to prey on students. Her bank however intervened and basically set her up and then took her down. They were the most active participant in this scam. If the bank had served its client rather that set her up, this never would have happened.
Product: Checking or savings account

In XX/XX/XXXX I received a personalized and direct mail advertisement for a TIAA Bank XXXX XXXX XXXX XXXX account. I was not a customer of TIAA Bank and did not have any accounts with TIAA Bank. The offer promised to pay a special one-time bonus of {$750.00} if I opened a XXXX XXXX XXXX XXXX account before XX/XX/XXXX and maintained a balance of {$250000.00} on that account. 
I am a XXXX XXXX XXXX retiree who recently sold my longtime home to move in with my daughter. As such, I chose to deposit the sales proceeds from the sale of my family home in a TIAA XXXX XXXX XXXX XXXX account to earn the promised {$750.00} bonus. 
On XX/XX/XXXX I opened a XXXX XXXX XXXX XXXX account online. On XX/XX/XXXX I went into a local TIAA Bank branch ( XXXX XXXX XXXX, XXXX XXXX, FL XXXX ) and deposited a check ( from an account at a different bank ) for {$250000.00} into the Yield Pledge Money Market account opened on XX/XX/XXXX. TIAA Banking XXXX, XXXX XXXX, assisted me in the branch and said that I was eligible for and would be paid the bonus as long as I leave the money in the account for at least 70 days. I have made no additional deposits into the account and have never made a withdrawal from the account to this date. 
Based on the above dates, the terms and conditions of the offer, and the representations made by XXXX XXXX at funding, I should have earned the {$750.00} bonus on XX/XX/XXXX ( 70 days ) and the {$750.00} bonus should have been credited to my account no later than XX/XX/XXXX ( 120 days ). Unfortunately, TIAA never paid the promised bonus. 
When I called TIAA to claim my bonus, I was told for the first time ever that my account was not eligible for the bonus because of a prior account with EverBank that was closed in XXXX. Apparently, some time after XXXX EverBank was acquired by TIAA and the name changed to TIAA. But I had no knowledge of that since I had not banked with EverBank since XXXX and had never been a TIAA customer until I opened the TIAA Yield Pledge Money Market. I have spoken to XXXX XXXX as well as XXXX customer service representative, XXXX XXXX, but both refuse to help me or honor the {$750.00} bonus I was promised. 
To be clear, I would never have opened a TIAA account, deposited such a large sum of money into that account, and stopped having access to that money for several months if not for the promise of the {$750.00} bonus. I feel that TIAA is taking advantage of an elderly, XXXX retiree by refusing to pay me the bonus. Their offer was unfair and deceptive in that it was specifically sent to me by name and does not mention EverBank anywhere. I had absolutely no way of knowing that EverBank had been acquired by TIAA, and I had absolutely no way of knowing that months after agreeing to open the account and taking my deposit, TIAA would claim that an account with EverBank that had been closed many years earlier made me ineligible for the bonus.
Product: Debt collection

Southwest Credit sent me notification of a {$830.00} debt from XXXX. This came thru the USPS. They 've assigned an account # XXXX and their own reference # XXXX. They have " offered '' a discount if I pay within 45 days of {$540.00}. I am current with XXXX/XXXX and only owe my monthly charge of XXXX. They have my name backwards but my correct address. They threaten to report this to the credit bureaus and ruin my credit.
Product: Credit card or prepaid card

My Bank of America credit card has been compromised several times over last few years. No charges appeared on my acct so I can not investigate myself. 
Upon calling the bank they refuse to tell me who the merchant is citing, by " law '', they could not fearing the merchant would suffer loss of business if revealed I feel the consumer is entitled to this info to determine if this is the same merchant. They would only state the date of the compromise was XX/XX/XXXX and it was not via online, but an actual store. I Am trying to verify if this, in fact, is a federal law.
Product: Student loan

I have contacted XXXX XXXX on multiple occasions to no avail about three accounts they have reported to my credit reports. I have asked for them to send me detailed paper work and proof of the account standings and they will not they are very rude when u try to talk to them. The XXXX XXXX XXXX XXXX has my student loans and I have had conversations with them on paying off my left over balances on my loans but fed loan will not answer any questions for me at all the info they are reporting is inaccurate on my credit report and they refuse to update their system. They have been rude and have blown me off at every turn I'm just trying to get info from them because from my records they are reporting in accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$49000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$2600.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$830.00}, and XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX  ) XXXX Date opened XX/XX/XXXX XXXX {$770.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Credit Report Dispute XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX Dear Sir or Madam : After reviewing my credit report, I am writing to dispute the following inaccurate information. 

XXXXXXXX XXXX ACCOUNT NUMBER XXXX ALLEGED BALANCE {$500.00} The information listed is incorrect. I previously filed a dispute when the balance was still owned by the original creditor. At that time the original creditor and Credit Reporting Agencies agreed with my dispute or couldnt verify the disputed information, and the debt was deleted from my credit file. It was shocking and damaging to me to find that suddenly the debt has been republished on my report, under the name of a new lender, without showing any indication the debt is disputed. This is not right and is directly impacting me in negative ways. 
XXXX previously removed the accounts from my credit file, but I recently discovered this debt is back on my XXXX credit report. XXXX reports the account as in collection with a past due balance of {$500.00} as of XX/XX/2022. This isnt right and the loan should be deleted from my file like it was several months ago. 
Enclosed is a copy of the page ( s ) from my credit file that have the disputed debt. 
Please let me know if you have any questions. 
Sincerely, XXXX XXXX XXXX : True Accord : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

My husband and I are being taking advantage of by Ocwen Loan Servicing LLC.. We are part of the XXXX DOJ Consent Order targeting XXXX females in the XXXX County ( XXXX, New York ) area. Since XX/XX/XXXX, Ocwen never notified us that the loan was part of the civil action. As a servicer, they were obligated to inform us and stop collection practices. I realized this last week when I reviewed my property records. Also, Owcen strategically did not put my name on the tax records only show my husband name to that the loan was not affected by the Order. A Satisfaction of Mortgage from XXXX XXXX was recorded and was PAID IN FULL and HAS NOT BEEN ASSIGNED. We are XXXX years old and every time my husband and I call, l we are always getting the run around about the account. There are major concernsAs of today, I 'm showing XXXX XXXX XXXX filed a Satisfaction of Mortgage on XXXX XXXX, XXXX based on the DOJ Consent Order filed on XXXX XXXX, XXXX. I 've enclosed both documents for your review. Please provide a documented Note, Deed of Trust along with an current notorized Affidavit from the investor employee stating that the allege contractual agreement is enforceable under applicable New York State Law/Department of Justice and Consumer Financial Protection Bureau Under the Fair Debt Collections Practicing Act and Fair Debt Credit Reporting Act, If you are not able to provide this information, Ocwen as the servicer and/or acting on behalf of the investor or any other entity DO NOT have documents for enforceable interest as stated under the National Settlement Consent Order. Therefore, I 'm requesting a Mortgage lien release on the property immediately and a refund for all XXXX monthly principal and interest relating to the loan from XXXX XXXX through XXXX XXXX and all items need to be omitted from our credit report because they are not factual
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Ive filed several complaints and filed several disputes with this company and theyve yet to respond, the last complaint which was sent in XX/XX/XXXX asking this company to provide detailed documentation they never responded and failed to show proof that this debt belongs to me. They missed both deadlines for the CFPB complaint and the deadline for the dispute. By law if they fail to provide documentation and fail to respond to the complaint they have to remove the tradeline from my credit. If they dont remove this item I will be forced to contact an attorney, provide proof that they failed to respond in a timely matter and I will be forced to pursue with legal action with this company. I will also be forwarding this information over to the BBB and FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX is mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed