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. 

These accounts in question are reporting inaccurate information on my reports : XXXX XXXX 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 XXXXXXXX 15 USC 1681 section 602 A. States : I have the right to privacy.

15 USC 1681 section 6O4 A. Section 2, it also states : The consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1681 C A5 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 records of conviction of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person should not furnish any information relating to the consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Equifax XXXX  times in XXXX months in writing and provided proper documentation including police report, identity theft packet a court order and state issued photo identification. They did not respond within 30 days and did not block the fraudulent accounts from my report within the required XXXX business days. When I call they are not helpful. They are not following the FRCA at all. XXXX has already removed them and blocked them but Equifax has done nothing.
Product: Mortgage

Yesterday, XX/XX/year> XXXX XXXX, my mortgage company, Newrez-Shellpoint , auto charged me for my mortgage without my consent in the amount of {$2000.00}. I am now overdraft in my bank account by over {$1300.00}. The issue here is that I have never set up an auto pay with this company. Back in XXXX I was approved for a repayment plan with them. I was short about {$600.00} on XXXX payment so they enrolled me in a 5 month repayment plan. Outside of the first payment that they considered a down payment that I had to pre-schedule with them before XX/XX/year>, I was told the rest would be up to me to pay as I could and that Id have all month until the last day to make my payments. I made XXXX payment over the phone, no issues at my discretion. But yesterday they charged me, without me ever going online or making a phone call, in the full amount and now I literally have no money for the holidays and will be hit with overdraft fees for something I never approved. Had I been able to make the payment on my own terms on XX/XX/year>, this wouldnt have been an issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion shows national credit systems opened XXXX. XXXX without my consent which is in violation of 15 usc 1681 improper use of my personal information without my written consent I have asked for the account to be verified and a proper investigation was never fulifuled.

I have never signed a contract with this company nor supplied this company with none of my personal information nor given permission to use any of my personal information not only are they in violation of my privacy 15 usc 1681 they are in violation of 15 usc 1681 for not providing complete and accurate information to all three of the credit reporting agencies XXXX shows a XXXX month term with months of late payments and a past due amount on a charged off account meanwhile TransUnion is reporting the account open with no payment history and no past due amount both reporting agencies updated reports was in apr XXXX which show incomplete and inaccurate information
Product: Mortgage

XX/XX/2022 AmeriSave asked for opportunity to beat the refinance offer I had accepted. 
XX/XX/XXXX at XXXX XXXX received email with great news they were beating the offer and we needed to lock in the deal with {$500.00}. I called he confirmed this included beating the monthly mortgage payment of {$890.00} including escrow for taxes and insurance ( estimate they beat did not include insurance but I figured they read the form better than me ) and cash back greater than {$17000.00}. Asked for written estimate told don't worry we are on recorded line we need to lock this in. 
Despite requests for written estimate received first one XX/XX/XXXX with monthly payment was {$970.00} and cash back {$13000.00}. 
Made first of several offers for AmeriSave to refund my {$500.00} and we end the deal. This would not be to my advantage as interest rates have risen. 
XX/XX/XXXX closing monthly payment {$950.00} and cash back {$17000.00} ( includes my {$500.00} ) XX/XX/XXXX Consumer manager called and explained how I was wrong and it was simple math. I am certain they have their XXXX  covered over a simple retiree but I told him the offer was simple and they refused to honor it. Probably went on for what seemed like an hour him trying to explain how they met their commitment. This is when they finally decided to act like insurance was not included in the initial offer. They could have made an offer to beat the estimate without insurance but not what they did. In fact, the loan orginator I dealt with it didn't know it wasn't included in the estimate they beat until I told him.
Product: Debt collection

XX/XX/2022, I was peacefully on my way home from dropping my XXXX  to XXXX 

I saw a cyclist pulled over on the side of the road by the XXXX XXXX XXXXXXXX XXXX ( who then later pulls me over citing me the later expressed tickets ), her face was red and she was crying. I inquired if she was alright and she shook her head yes. So then I proceeded about my day. 

I then ended up at a red light, literally a block from where the cyclist had been pulled over. The same officer that pulled the above cyclist over was now on my left side facing oncoming traffic, in the oncoming traffic lane. 

I proceeded through the greenlight, he then followed me and turned on his lights and pulled me over in front of XXXX XXXX XXXXXXXX, I then took my seatbelt off to emotionally prepare myself for the encounter. 

He walked up to the vehicle I was operating and asked for my drivers license, I then inquired his reasoning for pulling me over, he disregarded my inquiry and proceeded to ask for my drivers license again, and I offered my drivers license number because I was afraid to move any further because he was very hostile and aggressive. 

I shared with him that I was borrowing the vehicle I was operating from a relative to earn some funds and that it was a rental and I did not have the additional information he was requesting from me on me at the moment. 

He threatened to arrest me and take me to jail for not providing him with the addition information I could not share at that moment. 

He then proceeded to stick his hand inside of the window and forcefully open the door, so I gently pulled the door back closed and locked the doors, fearing he'd XXXX XXXX XXXX  perform further harmful acts. 

I was successfully able to obtain my drivers license and hand it over to him, he snatches it away and walks off to his vehicle and comes back with a list of things he had assigned to my name. 

DATE FOR VIOLATIONS : XX/XX/2022 VIOLATIONS : XXXX ) SEATBELT REGULATION XXXX TIME : XXXX XXXX 
AMOUNT : {$120.00} XXXX ) FAILURE TO DISPLAY INSURANCE XXXX TIME : XXXX XXXX 
AMOUNT : {$72.00} XXXX ) FAILURE TO EXIBIT XXXX XXXX XXXX XXXX XXXX 
AMOUNT : {$120.00} XXXX ) OPER. XXXX. VEHICLE XXXX XXXX XXXX XXXX XXXX 
AMOUNT : {$1200.00} XXXX ) FAILURE TO OBEY XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
AMOUNT : {$120.00} LOCATION OF VIOLATIONS : XXXX XXXX XXXX XXXX XXXX XXXX I had not been able to pay the collections ( XXXX XXXX XXXX/HARRIS AND HARRIS ) and am still unable to pay the alleged debt purchased by collections agency because of the lack of income I do not have, I can not pay a debt with debt ( federal reserve notes ), the collection agency purchased the debt already leaving me free of moral obligation to pay it. I never signed a contract with the aforementioned third party debt collectors either to handle any of my affairs.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding eight unauthorized credit inquiries made by Navy Federal Credit Union that appear on my credit report for : Dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX I did not authorize these inquiries, nor have I provided consent for any credit applications or related actions that would warrant such activity. These unauthorized inquiries are negatively impacting my credit score and financial standing. I have contacted Navy Federal to address this matter but have not received a satisfactory resolution. I need 8 wet signature applications and proof of authorization and consent. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate these unauthorized inquiries and take appropriate action to ensure their removal and prevent further unauthorized activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY INFORMATION HAS BEEN INVOLVED IN A MAJOR DATA BREACH WITH XXXX I HAVE BEEN FILING MULTIPLE LETTERS TO ALL THREE CREDIT REPORTING AGENCIES ON BEHALF OF FRAUDULENT INFORMATION FOUND. I HAD TO INDIVIDUALLY DRAFT AND SUBMIT THESE LETTERS, FINDING ALL THE INFORMATION INVOLVED IN THIS DATA BREACH THAT DOES NOT BELONG TO ME. I HAD TO SUBMIT A REPORT TO THE FEDERAL TRADE COMMISSION ON BEHALF OF IDENTITY THEFT. THE ACCOUNTS THAT HAVE CAUSED ME MANY DENIALS FOR LOANS, CREDIT AND OTHER PERSONAL PURCHASES. I HAVE LOST TIME AND ENERGY BECAUSE OF THESE FALSE ACCOUNTS.
Product: Credit reporting or other personal consumer reports

When checking my credit report after a few months of not monitoring it I recognized a large amount of unauthorized credit inquires that appeared on my report that I know I did not do nor authorize. I see inquires from companies like XXXX XXXX, XXXX XXXXXXXX XXXX XXXX and many more.
Product: Mortgage

My wife and I ( both veterans ), have been with Freedom Mortgage for about 15 months. We have only had one issue when mail was delayed due to a snowstorm and the check arrived a day or two late. When we called them about the check being late ( we saw that the money had NOT been withdrawn on the XX/XX/XXXX ) they told us that we were immune from late payment for the first 2 years of our mortgage but STILL charged us late fees and claimed the fee would be applied to principal. We were mollified. However, this occurred again and AGAIN WE had to call THEM about not cashing our mortgage check. We were told to cancel the check and pay online. We attempted several times to pay online but their system was not working properly. We called several more times over the next few days and were finally allowed to pay over the phone. However, once again they got a number wrong ( allegedly ), and piled on even MORE late fees again telling us that they would be applied to principal. None of the late fees were ever applied to principal so they had BLATANTLY misled us or dare I suggest that they LIED to their own customer. Now they are saying we are TWO months late and we have both payments sitting in our account waiting for them to take it. I have done research on the company and this is NOT an isolated incident. They have been both aggressive in getting their money and politely unhelpful each everytime we try to pay them. They have continually lied or misled us, NOT corrected the problem NOR have they EVER called US. WE have called THEM we stay on top of ourt finances and this is completely unacceptable and a perfect example of corporate greed and incompetence. My FIXED mortagage payments have been going up due to late fees and accrued interest because they will NOT take our money. I do not know how to force them to take our payments please help us or inform them they need to fix how they do business.
Product: Credit reporting or other personal consumer reports

Subject : Notification of Violations of the Fair Credit Reporting Act To Whom It May Concern, I am writing to formally notify the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) regarding serious violations of the Fair Credit Reporting Act ( FCRA ) by XXXX, Equifax, and XXXX. These credit bureaus have neglected their obligations under Section 605B, which mandates the proper handling of fraudulent inquiries on consumer credit reports. 
Below are the details of the fraudulent inquiries that remain unresolved : Creditor Name Date of Inquiry Credit Bureau XXXX. XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX Equifax XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XX/XX/XXXX Equifax XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XX/XX/XXXX Equifax XXXX. XXXX XXXX XX/XX/XXXX Equifax XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XX/XX/XXXX Equifax XXXX. XXXX XXXX XX/XX/XXXX Equifax XXXX. XXXX XXXX XX/XX/XXXX Equifax Despite my efforts to rectify these inaccuracies, the credit bureaus have failed to conduct reasonable investigations, leaving fraudulent inquiries unaddressed. This negligence has significantly impacted my credit standing and violates my rights as a consumer under federal law. 
I am requesting immediate action to rectify this situation, including the removal or correction of these disputed inquiries. The ongoing inaction of XXXX, Equifax, and XXXX constitutes a serious breach of consumer rights and undermines the integrity of the credit reporting system. 
Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 
Sincerely, XXXX XXXX UCC 1-308 All Rights Reserved,
Product: Student loan

On XX/XX/2020 I contacted NJ Higher Education about a fraudulent student loan that I discovered on my credit report. The loan was issued in XXXX at which time I was not enrolled in any college or university. I was told that the NJCLASS loan defaulted and was assigned to the law firm of XXXX XXXX XXXX, and told to direct all inquiries regarding the loan to the law firm. I tried to resolve the issue with the law firm and they refused to assist me. They have charged me double the original loan amount in interest. I even requested to pay a settled amount just to get this loan off of my credit report to no avail. I'm highly disappointed and really need some help to resolve this matter. Thank you so much!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXXXXXX account # XXXX has violated my rights. 
15 U.S.C 1681 section 604 A. states I have the right to privacy.

15 U.S.C 1681 section 4 A states 2 : It also state the consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the fair credit reporting act XXXX XXXXXXXX account # XXXX has violated my rights. 
15 U.S.C 1681 section 604 A. states I have the right to privacy.

15 U.S.C 1681 section 4 A states 2 : It also state the consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the fair credit reporting act XXXX XXXX account # XXXX has violated my rights. 
15 U.S.C 1681 section 604 A. states I have the right to privacy.

15 U.S.C 1681 section 4 A states 2 : It also state the consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the fair credit reporting act XXXX  XXXX account # XXXX has violated my rights. 
15 U.S.C 1681 section 604 A. states I have the right to privacy.

15 U.S.C 1681 section 4 A states 2 : It also state the consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the fair credit reporting act XXXX XXXXXXXX account # XXXX has violated my rights. 
15 U.S.C 1681 section 604 A. states I have the right to privacy.

15 U.S.C 1681 section 4 A states 2 : It also state the consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

My credit report has some inaccurate information and also I do not give third party the right to file on my report
Product: Bank account or service

Capital One Bank 's Claim Department denied to credit my money that has been taken from fraud transactions in amount of {$900.00}.
Product: Mortgage

I am seeking a Deed in Lieu of Foreclosure. I began the process in XXXX XXXX, and all documents were submitted and accepted by the mortgage servicer. In late XXXX XXXX I was informed the request had been conditionally approved. For the past five months I have received letters from the servicer stating they are actively working on my account and I should have answer within fifteen business days. The letters usually arrived every three or four weeks. I received a letter from the servicer dated XXXX XXXX, XXXX stating my request for a Deed in Lieu of Foreclosure resolution was denied. I believe the servicer unnecessarily delayed a final decision until after the Home Affordable Foreclosure alternatives ended XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XXXX XXXX and XXXX XXXX .To remove personal information and account inaccuracies that I don't want on my credit report.According to the fair credit reporting act. 15 USC 1681 .I have the right to privacy .And also According to 15UCS 6802 NO financial institution is ever suppose to share my information to third party people. These are clear violations of my federally protected consumer rights. For the record, the following information is being erroneously included on my credit reports I advised you on 2 separate occasions, more than 75 days and again 40 days ago : ACCOUNT 1 : XXXX XXXX XXXX, Account # : XXXX XXXX, ] ACCOUNT 2 : XXXXXXXX XXXX, account # : XXXX XXXX ACCOUNT 3 : XXXX XXXX account # : XXXX XXXX ACCOUNT 4 : XXXX XXXX XXXX account # : XXXX ACCOUNT 5 : XXXX XXXX XXXX account # XXXX ACCOUNT 6 : XXXX XXXX XXXX account XXXX XXXX ACCOUNT 7 : XXXX XXXX XXXX  account # XXXX
Product: Credit card or prepaid card

I have been a victim of Credit Card Fraud and it was not properly investigated. 
On XX/XX/21, I received a notification that there were two ( 2 ) transactions on my JetBlue Barclays Credit Card ending in XXXX, listed below : {$880.00} for JetBlue XXXX, Merchant Location XXXX, XXXX  XXXX and {$940.00} for XXXX XXXX XXXX, Merchant Location XXXX, XXXX XXXX. 
Immediately I contacted JetBlue Barclays Credit Card Customer Service and advised that these transactions were not mine, that I did not authorize these transactions and that in XXXX XXXX XXXX, XXXX. I was assured that I would not be charged for these transactions and that card ending in XXXX had been cancelled and that I would be sent a new card to replace the same. I, then was informed that because I had a history with these Airlines that I was automatically responsible for these transactions. These weren't mine and were allowed to go through due to JetBlue 's negligence.
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.

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 inructions 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 inaccurat
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I mailed you a letter disputing inaccurate and past the stature of limitation information contained in consumer reports compiled, maintained, and published by you allegedly concerning regarding the following XXXX XXXXXXXX account # XXXX and XXXX XXXX Bank Account # XXXX. As per U.S.P.S. records, you received my above-mentioned dispute letter on XX/XX/2021. Accordingly, under the FCRA, you were required to conduct a reasonable reinvestigation and modify or delete the disputed information as I requested before the end of the 30-day period on the date on which you received my above-mentioned dispute letter. Specifically, you received my dispute letter on XX/XX/2021 ; therefore, your response was due on or by XX/XX/2021 I have allowed for 35 days to pass to account for any delays in mailing by the U.S.P.S., but to no avail, it appears that you have willfully failed to conduct a reasonable reinvestigation and modify or delete the disputed information as I requested before the end of the 30-day period on the date on which you received my above-mentioned dispute letter as required under the FCRA. 

As a result of your conduct as described above, you shall promptly delete the disputed information. Additionally, as per the FCRA, deletion of the disputed information, you are commanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX. 

Be advised, this is not another dispute or opportunity for you to reinvestigate a previous dispute. Your time period to conduct such a reinvestigation has expired and shall not be extended by law. 

Promptly delete the disputed information and send proof thereto and send me the check to my mailing address listed above in no later than fourteen ( 14 ) days of the date of this letter. Time is of the essence. If you do not timely comply with the requests within this letter, I intend to turn this matter over to a consumer lawyer for consideration of litigating the issue in federal court.
Product: Credit card or prepaid card

I asked a customer service rep about getting set up on autopay. I was sent a form to fill out. A requirement is that at least one payment from the account from which the autopay will be debited is submitted manually. I made my XX/XX/XXXX minimum payment as required by my XX/XX/XXXX statement. The payment was received XX/XX/XXXX. I then filled out the autopay form and submitted it. 

The form even asks for an email address for confirmation that the autopay was set up. I never got it. I don't think it was ever sent. Today I learned that my already paid minimum payment will be debited AGAIN on XX/XX/XXXX after it was already paid. I'm out the money TWICE.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFBP THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX XXXX XXXX WHICH FALLS UNDER XXXX  ACCORDING TO XXXX-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX XXXX XXXX XXXX AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX  {$8800.00}, XXXX {$0.00}