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. 

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

I recently created a credit monitoring account and noticed that someone has been illegally using my information to apply & get credit cards. Which caused a couple of inquiries to appear on all 3 of my credit reports that i never authorized anyone to do so and to my knowledge this is a violation to my rights & the law, and all fraudulent inquiries should be removed.
Product: Credit card

US BANK REFUSES TO ADDRESS THIER ERROR ON MY CREDIT REPORT DUE TO CUSTOMER SERVICE STATING BECAUSE THERE IS FRAUD ON MY ACCOUNT DO NOT MAKE A PAYMENT. US BANK ASLO REFUSES TO LISTEN TO RECORED CALLS AND STATES ONLY THE INVALID ADDRESS CAN ADDRESS THE ISSUE ON MY ACCOUNT. I HAVE MAILED THEM A LETTER MULTIPLE TIMES THAT HAS BEEN RETURNED TO SENDER EVERY TIME EVEN AFTER VERIFYING THE ADDRESS MULTIPLE TIMES. THIS ISSUE IS ON GOING BEYOUND A YEAR NOW.
Product: Student loan

I have XXXX loans from undergrad and graduate school. The loan providers changed from XXXX XXXX to Nelnet to XXXX. During XXXX my loans were transferred from Great Lakes to Nelnet. During this time, my undergraduate loans increased by the amount of {$4800.00}. I contacted Nelnet who said they were unable to provide me with a history because loan was transferred to them by XXXX XXXX. XXXX XXXX no longer exists to contact for my full history. I contacted XXXX who is unable to provide me with a full history of my payments with loan balances and interest. XXXX reports that there was a capitalization of interest of my loans in the amount of {$4800.00} when the loan transferred between XXXX XXXX and Nelnet. This capitalization of interest occurred during the XXXX XXXX. I have also contacted Department of Education who is also not able to provide me with a full history of my payments with loan balances and interest.
Product: Payday loan, title loan, or personal loan

The loan company keeps calling me to insure me that loan check would clear and the freeze on my bank account will be lifted and the negative balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I registered online on transunion.com to freeze credit report. After registration I was charged $ XXXX/month for credit monitoring service. There was no clear statement about the service fee. I was tricked to sign up such service. I called the company right away to cancel the service and tried to get a refund. I was put on hold for a long time, and finally a customer representative said their system was down, I needed to call back again. TransUnion doesn't conduct their business in a honest way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Home Depo is still reporting Incorrect High Balance History and Inconsistent Dispute Responses to the Credit Reporting Agencies. They claim they are not in their XX/XX/XXXX response to my CFPB COMPLAINT. ( See attached Screenshot of my XXXX Online Dispute Results ) I was advised by an XXXX Representative that as of XX/XX/XXXX, the Home Depot Account was being processed to be DELETED from my Credit Report by all Credit Reporting Agencies. ( See attached XXXX Report awaiting Deletion beginning XX/XX/XXXX ) Citi Bank also admitted in their XX/XX/XXXX letter of Response to the CFPB that Home Depo did not provide them Documentation during the Investigation Period ( 2 Billing Cycles ) of my XX/XX/XXXX Dispute. 
They also admitted in the above mentioned letter that 4 Billing Cycles later, they Charged me again for that same Disputed Purchase of {$2900.00}. This is a breach in their Credit Card Contract Regarding the Dispute Process. 
They continued to Bill me for the Disputed amount with Interest, and Included it in my Total Balance, therefore Reporting Incorrect Information to the Credit Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer credit reporting agencies are violating the FCRA. Pursuant to 15 u.s.c 1681a ( 2 ) ( B ), " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 u.s.c 1681 is the same as it is under 15 u.s.c 1602 ( I ), which is " the term " credit card '' means Any card, plate, coupon book or other credit device existing, for the purpose of obtaining, money, property, labor, or services on credit. '' Notice Congress said Any card. The credit card is my social security card. I used This credit card to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 u.s.c. 1681a ( 2 ) ( B ). The reporting agencies are violating 1681a ( 2 ) ( A ) ( i ) Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under Title 15 chapter 41. 

XXXX XXXX account number ending in XXXX balance {$1200.00} acct # XXXX balance {$1200.00} XXXX XXXX account number ending in XXXX balance {$2100.00} acct # XXXX balance {$2100.00} XXXX  XXXX account number ending in XXXX balance {$320.00} acct # XXXX balance {$320.00} The XXXX XXXX XXXX account number ending in XXXX balance XXXX XXXX XXXX account number ending in XXXX balance {$10000.00} acct # XXXX balance {$10000.00} XXXX XXXX Bank account number ending in XXXX balance {$800.00} acct # XXXX balance {$800.00} XXXX XXXX Bank account number ending in XXXX balance {$500.00} acct # XXXX balance {$500.00} These are violations!
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOTIFIED THE CREDIT REPORTING AGENCYEXPERIAN THAT I AM THE VICTIM OF IDENTITY THEFT ON 4 SEPERATE OCCASIONS AND THE ACCOUNT REMAINS THE CREDIT REPORTING AGENCY EXPERIAN IS IN VIOLATION OF SEVERAL FCRA LAWS I HAVE SENT SEVERAL DISPUTE LETTERS VIA CERTIFIED MAIL AND ALSO SENT AN FTC IDENTITY THEFT AFFADAVIT I AM PREPARED TO TAKE LEGAL ACTION VARIOUS DATES OF DISPUTE BELOW XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Checking or savings account

Navy Federal Credit Union and multiple of it representatives at ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, Navy Federal Credit Union, XXXX XXXX XXXX XXXX, VA XXXX, throughout XX/XX/XXXX - XX/XX/XXXX engaged in conduct causing damages exceed {$10000.00} and less {$100000.00}. 

Potential mishandling of my private financial information. 
Violation of your bank 's own standards for customer interaction and complaint resolution. 
Engaging in unfair and deceptive practices. 
Negative impact on my credit due to mishandling of my complaint. 
Harassment over a debt or collection of debt. 
Failing to properly handle and document my complaint. 
Inaccurate disclosure of credit card terms. 
Failing to handle my dispute properly, which may include lack of investigation or failure to provide provisional credit. 
Denying assistance based on my financial situation and public assistance status.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccurate information on all 3 of my credit reports. I have not been able to resolve this issue with this company. This company has failed to validate this debt. They only re aged the account. I do not have any contract with this company and never did. The debt that they are falsely reporting was paid to the original creditor. I have proof that this debt was paid. I have never had a debt with this company. This has tremendously affected me with finding housing and a job. I have been going to house to house because I can't get approved because of this false debt. I would like this account XXXX {$1100.00} to be removed immediately from all of my credit reports.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXXXXXX OH XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX OH XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX OH XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX OH XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX OH XXXX XXXX. Violation of 15 U.S. Code 1681b - Permissible purposes of consumer. Delete immediately. 
XXXXXXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

9. violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

10. Violation 15 USC code 1681 ( a ) Congressional Findings and statement of purpose - consumer 's right of privacy XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


In accordance with the Fair Credit Reporting Act, I am requesting a thorough investigation into these items and their removal from my credit report. I understand that you are obligated to verify these items with the creditor responsible for reporting them. If the creditor can not provide verification, I kindly ask that you delete the disputed information. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this investigation within 30 days of receiving this letter.

Please send an updated copy of my credit report to the address provided above. I would like to highlight that, as stated in the act, there should be no charge for this updated report. Additionally, I request that you notify anyone who has obtained my credit report in the past six months of any corrections made.

Thank you for your attention and assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts and Inquires listed are not done by myself. Please delete immediately.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention several inaccuracies on my consumer credit report, as maintained by your agency. I have identified numerous discrepancies that violate the Fair Credit Reporting Act ( FCRA ) and related statutes. I believe it is essential to rectify these issues promptly to ensure the accuracy and fairness of my credit profile.

I have previously contacted your agency through multiple letters regarding the following concerns : 1. Late Payments : There are inaccuracies in the reporting of late payments on my credit report.

2. Credit Utilization : There are inaccuracies in the reporting of credit utilization on my credit report.

3. Personal Information : The reporting of personal information such as names, addresses, phone numbers, and employers is incorrect. I assert that the entities providing information to credit agencies ( Furnishers ) have no right or written consent from me to furnish my information.

4. Revocation of Consent : I hereby revoke any forms of consent, be it verbal, non-verbal, written, or implied, for the Furnishers to furnish my information. 

5. Non-Disclosure Option : I have not been properly informed by the Furnishers of my right to exercise a nondisclosure option, as required by 15 USC 6802 ( b ) ( c ).

6. Adverse Information : Inclusion of adverse information without proper authorization violates 15 USC 1681C ( a ) ( 5 ).

7. Knowingly Furnishing Inaccurate Information : Furnishing inaccurate consumer information knowingly is prohibited under 15 U.S. Code 1681s2 ( A ) ( 1 ).

8. Immediate Deletion of Negative Accounts : I request the immediate deletion of all negative or derogatory accounts on my credit profile with XXXX, Equifax, and XXXX. 

9. Removal of Credit Utilization : The credit utilization information should only show the amount of the credit line, not the utilization level. Immediate update across all three credit agencies is requested. 

XXXX. Correction of Personal Information : I request the correction of personal information to reflect only one name ( XXXX XXXX ), one address ( XXXX XXXX XXXX XXXX XXXX TX XXXX ), XXXX phone number ( XXXX ) and no employers. 

XXXX1. Deletion of Personal Statement on XXXX Report : I request the immediate deletion of the personal statement on the XXXX consumer report and the balance of credit scores. 

12. Notation of 15 USC 1681 ( c ) : Immediate notation of 15 USC 1681 ( c ) in XXXX, Equifax, and XXXX systems concerning my consumer report. 

XXXX. Compensation : I request {$1000.00} per violation in accordance with applicable laws. 

I appreciate your prompt attention to this matter. Please investigate and resolve these issues within the required time frame as per FCRA guidelines. 

Sincerely, XXXX XXXX
Product: Debt collection

On XXXX a fraudulent account appeared on my credit report from XXXXENHANCED RECOVERY Collections. I never had or have XXXX I have only had XXXX This is identity theft.


Attached is a police report and FTC affidavit.
Product: Mortgage

We live in a condo and in our Association fees we pay for insurance coverage, including wind mitigation for external and internal. Our Lender, Freedom Mortgage, is claiming the wind policy excludes for improvement/betterment and are forcing us to pay an additional $ XXXX for a policy through them. I have sent them all of the documents, proving there are no exclusions in the policy, and that, in the circumstance there is damage to property outside and inside, regardless of renovations, the property is covered. They do nothing but send the exact same response. Also noted, our Association has had the same coverage since we moved in XX/XX/2018 and the Lender approved this policy as valid coverage for previous years.
Product: Mortgage

I applied for a loan from F & B Financial Group, XXXX XXXX XXXX XXXX, XXXX XXXX, Mo. XXXX, XXXX. This was for a Home Loan using my VA entitlement. 
I complied with all the necessary paperwork to XXXX XXXX, Senior Mortgage Advisor. 
I was approved for {$220000.00}. This approval letter was also e-mailed to a Real Estate Agent that I was NOT under contract with. I felt that that was very illegal to do without my permission. 
Between this Real Estate Agent & XXXX XXXX of F & B Financial there were deliberate actions to disqualify me from purchasing many homes.After contacting VA I found out that I can purchase an " as-is '', foreclosure or Auction home. During this time I lost 2 homes that I was interested in because of the actions of F & B. I believe there is an underlying reason for these roadblocks. It is either that my Wife is XXXX or of my age of XXXX. 
I have e-mailed XXXX XXXX firing him with " no response '' I have called F & B many times leaving voicemail messages with no response to my requests. 24 hours ago I left such a message to the President of F & B, XXXX XXXX, requesting an appointment to meet with him in person to discuss the above problems. NO RESPONSE as usual.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had three late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with MAXIMUM accuracy. I have NEVER been late on payments for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Checking or savings account

Been customer since 2013 Order XXXX they over change me never send my grocery Then wells fargo closed my account for no reason and send my social security check back now no way pay rent so wrong and charges me fee XXXX for XXXX
Product: Debt collection

XXXX has an unethical practice, bullying XXXX into paying above and beyond what they owe. 
I paid monthly fees for security services on my in-laws home in XXXX, FL. starting XX/XX/XXXX. The in-law moved to XXXX in XX/XX/XXXX & expired on XX/XX/XXXX. The house was sold in XX/XX/XXXX. The ONLY condition of Escrow was for the new owner to take over the remaining XXXX contract. XXXX continued to bill my credit card through XX/XX/XXXX. I called them to inform them of death of the owner & sale of the property as well as the condition of the escrow. After my call in XX/XX/XXXX - which they still have on record, I received no monthly statements and no notice of delinquency until a collection notice was mailed to me from XXXX onXXXXXX/XX/XXXX for a sum of {$870.00}. 
I called XXXX last week & they admit to all of the above but claim I " did not cancel my contract '' This is an unethical practice by XXXX. The clients are XXXX & unable to defend themselves. Most will pay these unjustified charges simply to protect their credit. 
THEY NEED AN AGENCY LIKE THE FTC TO PROTECT THEM.
Product: Mortgage

The issue with the Bank of America account is that they charged off the account BUT are still reporting that I owe the full balance. This loan was a XXXX loan for the Foreclosure!! I feel like I 'm getting XXXX because I had the foreclosure and they are also carrying the balance, thus I ca n't rebuild my credit nor can I make any purchases because creditors state I have $ 68,000+ in outstanding debt. 
I was looking through some old email and I actually got charged a XXXX by BOA ( as income to me ) for that debt back in the day too. So I have been charged and this is still not being reporting accurately on my credit report.
Product: Student loan

I attended XXXX XXXX ( a for profit school ) XX/XX/XXXX-XX/XX/XXXX and received a certificate upon completion with no job placement assistance ( as they promised as part of their marketing tactics ) and immediately after completion, the school closed. I did not benefit from the school in any way including finding employment or assistance with any other issue. I also enrolled in the XXXX University online degree program in hopes of getting somewhere more beneficial and later found that credits were not transferable, so I withdrew immediately to attended a credible state university and the school received student loans with no return to lender or refunds. I am asking for relief from these loans as the XXXX College ( AKA XXXX XXXX ), is under investigations for the same fraudulent practices to recruit students, stealing information, harassment and other financial problems and not getting anywhere with this costly nightmare.
Product: Debt collection

I recently found out I am a victim of Identity Theft. There have been several medical accounts opened in my name that were fraudulent. Medical Fraud. Along with some credit cards such as   XXXX   XXXX  ,  XXXX ,   XXXX   XXXX  . I have also filed an FTC Id Theft report. I have not received any medical services in question. You have 4 bus days to stop reporting and delete the accounts once you have received my documents. FCRA law, once the furnisher receives all my fraud documentation the accounts must be deleted from my reports within 4 business days. ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information
Product: Prepaid card

No instead of giving me information they just lied and told me that it's my fault they keep blocking my account. When it's not my fault. I have went in and verified 4 times already they have canceled yet another card and I have to go and verify again. This is the most ridiculous situation I have ever dealt with. They have a very flawed fraud protection system. The employees have done a terrible job all the way through I have verified 4 times. This needs to stop
Product: Mortgage

i made a complaint no ; XXXX from you guys to wells fargo mortgage. i was just told from wells fargo rep that they can not give me a history of payments because of it. you see anything i can do to get rid of well fargo am trying to do. i can not get a new mortgage company unless i got that history account from my XXXX XXXX father XX/XX/XXXX.the main reason itrying to get rid of them because they been giving me a hassle for modification since XX/XX/XXXX are close to that. i am the deed holder of my father account wells fargo and the title team keep asking me to send them recorded petition reach i been sending them since XX/XX/XXXX i am on social security disablity i think they wellfound a way to deny me because they today it is a legal issue that why they can not send me that payment history i also believe that one of my daddy home ownner insurance could pay off his mortgage when he XXXX not current one but the one he had before he died and it was sold over and over again. i cant gt rid of them i cant remodify .i am being punish for contacting you guys i am still a us citizen that company should be investigated upside down not just sending them this complaint form and waiting for a response salesman will get around that