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

n 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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : BXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX 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 XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Mortgage

I started the process to remove my mortgage PMI on XX/XX/21 with FlagStar Bank after they sent me a C-4 Annual Notice PMI disclosure - steps to remove it. I've lived in my home three years, made extra payments, made significant improvements, home values have increased, on-time payment history. I followed the steps sent to me by the lender by sending an email to initiate the request to " XXXX '' On XX/XX/21, I received a letter detailing next steps and requesting a check for {$150.00} to complete a home valuation. That was completed and an onsite home valuation was completed XX/XX/21 by a broker- XXXX XXXX. He had a XXXX hour turn around to report his findings, get paid for his services and confirmed to me on XX/XX/21 it was done. Out of his hands. 

My letter said I'll be notified within 30 calendar days after we receive property evaluation. Well, as of XX/XX/21- they haven't received it. 

I called FlagStar Bank XX/XX/21 for status update and they said there was a note as of XX/XX/21XXXX XXXX XXXX  didn't have an update on the home valuation. FlagStar said it was out of their hands. I need to wait more time - first call said 30 days - from the home valuation. 

I've done everything I can do and it seems like my request to remove PMI is unnecessarily delayed for unknown reasons, everyone is saying it's out of our hands and I can't get a proper status update. Feel like someone has dropped the ball.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account number- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account Number- XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number- XXXX I am writing a Dispute of Inaccurate Information Under 15 USC 1681s-2, In accordance with 15 USC 1681s-2 ( a ) ( 1 ) ( B ), you are required to correct and update any information you have provided that is inaccurate or incomplete. I request that you investigate this matter
Product: Credit reporting or other personal consumer reports

It is against the law to report transactions or experiences between the consumer and the person making the report. The term " person '' is JPMCB AUTO the corporation and the " consumer '' is me. You have violated my rights according to 15 U.S. Code 6802 and 15 U.S. Code 1681a ( 2 ). The illegal late payments and inaccurate information that you are reporting concerning me are harming me personally, emotionally, and financially, and causing me damage. Please see the attached document with proof of the illegal late payments on my consumer report. I request that you promptly delete all ( late payments ) update the account to current status and send an updated copy of my credit report within 30 days of your request that you fully comply with the law in my request. Should you fail to make the requested late payment deletions and update to the current status, I request that you provide me with your permissible purpose for reporting each late payment on file in writing and copies of the written instructions of the consumer ( me ). I request that you provide me with the name and address of the person ( s ) that you contacted to allegedly verify the information that I have rightfully disputed.
Product: Mortgage

This is the response I received from LoanCare my mortgage company when I asked them why are they charging me a fee on my payment. This loan was transferred from a previous mortgage to Loan care with the contractual agreement that I had a 15 day grace to make my payment without any fees and now it seems they found a way to circumvent the system and charge me a processing fee because I making a payment online. I think this is predatory and blatant wrong the part of this company. I feel they are trying to squeeze every penny they can from their clients. Where is the consumer protection? 

Dear Valued Customer, Thank you for contacting us. 

We have received your recent inquiry regarding your mortgage account. Your mortgage payment is due on the XXXX of each month and you are provided with a 15 day grace period. Over the website the processing fees starts at {$5.00} after the XXXX of the month and then {$10.00} dollars after the XXXX of the month. If you want to avoid processing fees please make payment before the XXXX of the month or you can look into setting the account up on auto draft. For further assists please contact Customer service at XXXX Please DO NOT REPLY to this email. Your request has been marked resolved and this ticket has been CLOSED. Replies to this resolved ticket will not be monitored. If you need further assistance or have additional questions, please submit a new request by visiting our website and logging into your account. 

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

XXXX ( XXXX XXXX ) erroneously reported my balance and late payment status following a loan modification that was effective XX/XX/XXXX. XXXX reported late payments for XXXX, XXXX XXXX XXXX and XX/XX/XXXX. I made all of those payments on time. 

I disputed this information with XXXX and the credit bureaus. XXXX provided a written response acknowledging the error and advised that they would update my payment status for those months to reflect as current. The update was in fact made and my credit report was updated accordingly. HOWEVER, on XX/XX/XXXX, XXXX again reported that I was late for the month of XXXX and my credit took a significant hit due to the credit bureaus marking my payment for XXXX XXXX as late. 

I attempted to dispute this erroneous information with the credit bureaus and was denied the ability to dispute online due to the prior dispute I filed in XXXX. I contacted loan care on XXXX XXXX expressing that XXXX was in violation of FCRA rules and violation of UDAPP regulations due to falsely and unfairly reporting that my XXXX XXXX payment was 30 days late on XXXX XXXX. How could my payment be 30 days late on XXXX XXXX. Additionally, I made my XXXX payment on time. The company acknowledged that I was in fact current and my next payment is not due until XXXX XXXX. Also, XXXX erroneously gave me false information indicating that they did not send information to the credit bureaus and would not send information until XX/XX/XXXX. When I spoke with XXXX I was told that XXXX had in fact reported me as late on XXXX XXXX for the month of XXXX. 

I'm filing a complaint in regards to XXXX as this is unfairly impacting my credit and my ability to secure new credit. This appears to be a common practice by XXXX based on the complaints I've seen online which requires further inquiry by the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX dob XX/XX/XXXX SS # XXXX XX/XX/XXXX XXXX and XXXX and Equifax will not investigate the correct my credit report. I have send them many letters to correct my XXXX account and they have failed to do so, so I am submitting docs the prove my account with XXXX is closed and has a XXXX balance.
Product: Credit reporting or other personal consumer reports

the Fair Credit Reporting Act, 15 U.S.C. 1681 ( g ) I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS THE THIRD CASE I'M OPENING. - ALL I WANT BARCLAY BANK TO DO IS REMOVE THE 30 DAY LATE PAYMENT OFF OF MY CREDITREPORT. I HAVE PROVIDED ALL DOCUMENTATION I COULD POSSIBLY PROVIDE.I AM AN XXXXXX/XX/XXXX XXXX XXXX XXXX MEMBER I WOULD NEVER IMAGINE THIS MUCH STRESS FOR RESOLVING THIS ISSUE. - THIS HAS IMPACT MY CREDIT MIGHTLY AND COST DENIAL OF MORTGAGE LOAN AND NEGATIVELY AFFECTED MY CREDIT SCORE. I WAS XXXX/XXXX  WHEN THE ACCIDENT OCCURED. I PROVIDED DOCUMENTATION OF MY TRAVEL ORDERS, BANK STATEMENTS, AND THE PREVIOUS COMPLAINTS. - I ALSO MAILED THE DOCUMENTS MR. XXXX ASKED FOR AND ATTACHED THIS COMPLAINT ALSO. I HAD PROVIDED THESE DOCUMENT IN THE TWO PREVIOUS COMPALINTS AND ALSO MAILED THESE DOCUMENTS TO BARCLAYS FCRA FOUR TIMES VIA MAIL. ONE IN XXXX, TWO IN XXXX, AND ONNCE IN XXXX THEY HAVE BEEN MAILED TO FCRA. - I STILL HAVEN'T HAD MY ISSUE RESOLVED. I'm XXXX XXXX XXXX XXXX. I wentXX/XX/XXXX on training out of the country on XX/XX/2020. On XX/XX/2020 a payment didnt go through and after contacting my mom as a emergency contact she paid the payment on my behalf. Once I return in XXXX, Ive noticed a 30 day late payment charge on my credit report. Ive been a customer with no missed payments for over 4 years. Ive called and send them documentation showing my orders in XXXX and XXXX and early XXXX and I was told it cant be removed. - The company keeps asking me for documents I already gave them. For me to be military I've never think I have this much fight to remove this late 30 day payment on my credit report.
Product: Debt collection

On XX/XX/2018 I sent Certified Mail and Return Receipt requesting physical verification of the original signed consumer contract under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Today as of XX/XX/2018 they have failed to positively verify my request.

NCC Business Services INC in the amount of {$7000.00}
Product: Credit reporting or other personal consumer reports

Recently, while reviewing my credit report, I discovered several fraudulent accounts that were opened and used without my consent. These accounts are severely damaging my credit history and negatively impacting my ability to obtain fair credit. Under consumer protection laws, I have the right to have this information corrected and ensure my rights are protected. The applicable laws include : 15 USC 1681i : This law grants me the right to dispute inaccurate or fraudulent information on my credit report and requires credit reporting agencies to conduct a reasonable investigation and correct errors promptly. 15 USC 1681s-2 : This law outlines the responsibilities of information providers to ensure the accuracy
of the information they report to credit bureaus and prohibits reporting fraudulent or incorrect data.

15 USC 1666b : This law provides protections for consumers against unauthorized charges or billing errors, requiring prompt correction of such issues.

15 USC 1681c-2 : This law allows consumers to request a block on fraudulent information resulting from identity theft to ensure it is removed from their credit reports.

Identity Theft and Assumption Deterrence Act ( 18 USC 1028A ) : This law criminalizes the unauthorized use of personal information and provides penalties for identity theft, reinforcing the need to address fraud promptly.
Product: Credit card

I have contacted American Express at least half a dozen times asking for a hard block on previous credit card numbers after receiving replacement cards. I did this in order to stop certain companies from continuing to charge my account for services I did not authorize. As these charges occurred, I have done my best to keep up with them and filed disputes, but it is time consuming and sometimes difficult to keep up with. Each time I have attempted to initiate the hard blocks, I have gotten various answers from American Express, but always the same results. Sometimes the agents have guaranteed me that none of my old credit card numbers will continue to work after they supposedly put the block in place, while other times I have even had agents ( including supervisors ) tell me there is no such thing as a hard block. When I called again Last week The agent told me that American Express had streamlined the hard block process and it was now easier to put it in place. I waited while he said he blocked all old card numbers and sent me a new card, but within 48 hours I had two unauthorized charges to my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, someone is using my personal information to open credit accounts online. I viewed my credit report and it shows a list of " Hard Inquiries '' that I have no knowledge of. Iam a victim of identity theft, please help me. 

XXXX. XXXX. DATE : XXXX XXXX. XXXX XXXX XXXXDATE : 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

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX Balance : {$680.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) am filing this report to urgently address and demand the removal of several inaccuracies on my credit report. These inaccuracies are unjustly affecting my creditworthiness and must be corrected immediately. The accounts in question are : Inaccurate Accounts : XXXXXXXX XXXX XXXX XXXX  : Account # XXXX XXXX. XXXX  XXXX XXXX : Account # XXXX XXXX. XXXX XXXX XXXX : Account # XXXX XXXX. XXXX XXXX XXXX : Account # XXXX XXXX. XXXX XXXX XXXX XXXX : Account # XXXX Applicable Fair Credit Reporting Act ( FCRA ) Laws : 1. Section 605 - Requirements Relating to Information Contained in Consumer Reports ( 15 U.S. Code 1681c ) Obsolete Information : The FCRA mandates that consumer reporting agencies exclude outdated negative information, ensuring that only accurate and current data is reflected.

2. Section 611 - Procedure in Case of Disputed Accuracy ( 15 U.S. Code 1681i ) Reinvestigation of Disputed Information : The FCRA requires credit reporting agencies to investigate any disputed information within 30 days. Inaccurate, incomplete, or unverifiable information must be corrected or deleted promptly.

Notification to Furnishers of Information : The credit reporting agency must notify the furnisher of the disputed information within five business days.

Provision of Results : Upon completion of the investigation, the agency must provide a detailed response, including the results of the investigation and an updated copy of the credit report if changes occur.

3. Section 623 - Responsibilities of Furnishers of Information ( 15 U.S. Code 1681s2 ) Duty to Provide Accurate Information : Furnishers must provide accurate data and correct any erroneous information they discover.

Duty to Investigate Disputes : Furnishers are obligated to investigate disputes received from credit reporting agencies, reviewing all pertinent information and reporting back to the agency.
Product: Debt collection

National Credit Systems ; is the collection agency. 
Original Creditor =XXXX XXXX  XXXX XXXX . Date opened : XX/XX/XXXX. First reported XX/XX/XXXX. Collection account, balance {$5400.00}. The account is scheduled for continuous until XX/XX/XXXX. Investigation outcome reported the information to XXXX  was certified and accurate.The item was not changed as a result of the dispute processing my credit score was lowered from XXXX to XXXX.The balance on the account is incorrect, deceptive and falsified. Never informed or contacted about such delinquent account until the appearance on credit report. Sent XXXX  all recorded documention of proof for dispute. I give CFPB permission to request proof documents. Sincerely, thank you, for your help and support.
Product: Debt collection

I have been disputing this account for years. The account was opened in XX/XX/XXXX and was paid in full. I have never received communications that they were attempting to collect a debt or notified of any legal rights that I have to dispute the debt. I have not been provided proof that I owe the debt. <P/>Worse of all they report that I last made a payment XX/XX/XXXX which is not true in any way shape or form and extends the statutes of limitations of the time this loan can be reported for an another almost two years. <P/>I ask that they show proof of a payment that I made on XX/XX/XXXX or remove that date from the report, I ask that they show proof that they sent written communication of an attempt to collect a debt and that they can validate and did validate that I owed it. <P/>This is not a valid debt and the reporting dates of payment is wrong, the debt is paid, and I ask it to be removed.
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 USC 1681. Act Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602 A, 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 an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of inquiries below has violated my federally protected consumer rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USC 1681 section 602 A, 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 an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years
Product: Checking or savings account

BOA closed both of my checking accounts with no explanation and after several money transactions that were made in my account not by me. I've had numerous overdraft fees as well. I applied for a Hardship assistance on XX/XX/XXXX to get my balance out of my account. I have over {$2400.00} in my account. Due to this unfortunate situation, I have been summons to court because I have not been able to pay my rent on time due to the withholding of funds from Bank of America.
Product: Credit reporting or other personal consumer reports

I am requesting an update to several accounts in my credit profile, which appear to be incorrect. Under the Fair Credit Reporting Act ( 15 USC sections 1681i ), you are required to complete your investigation within 30 days. Failure to comply will result in a violation of the Act and may prompt an investigation by the Federal Trade Commission : Experian : XXXX XXXXXXXX Balance Owed : {$610.00} XXXX XXXXXXXX Balance Owed : {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$610.00} XXXX XXXXXXXX Balance Owed : {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$610.00} XXXX XXXX Balance Owed : {$260.00}. Provide evidence that these accounts are valid and that my rights have been respected. If no such evidence is available, promptly update the inaccurate account information.
Product: Checking or savings account

Wells Fargo sat in front of my uncle and I and promassed him every thing was taken care of pain his XXXX. Was not true all paper work was not taken care of. I lost everything. XXXX XXXX, XXXX XXXX to present XXXX XXXX. XXXX. XXXX XXXX is my name XXXX