23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company did not provide me with the adequate info to me to valid the account was mines. Between XX/XX/2023 the XXXX XXXX XXXX XXXX account was reported closed and they still didnt verify the account with my signature or verbal authorizing. They say they sent me info on the debt that i never received that I asked for proof of verification and validation on this account which I never made any agreement. 

They changed there name of the company to make this account look brand new that is misleading the item on my credit report which is a violation under the FCRA law. 
I have proof in the description below to show such inaccurate information that continues to get overlooked and bypassed. Also i wanted to state if they i owe this debt i never recieved a 1099 form from the irs to claim taxes on which is another violation
Product: Student loan

The loans are giving me hardships due to not being able to live off of the income post loan payments. We never missed a loan payment at all and should be able to have some help in this stage. Also, the school misled us ( Co-Signers and Borrowers ) on the loan payments nor the amount of money each semester. They also mislead most students on how they said they would offer help to the graduating students on getting jobs in their field and almost half couldn't get a job in their field at all.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Experian ( Add additional information if there are more inquiries ) Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Mortgage

We have applied for a lower interest rate refinancing with Flagstar Mortgage. The underwriter is declining only verbally refinancing us. We have not received in writing the underwriter reasons. 
Flagstar says after 4 months of starting the process that the reason for stopping the process is : Due to Covid we have not cashed our IRA funds distribuitition so our taxable income is less but the saving are still the same. We have the funds, the money the savings. We have also had our account with Flagstar for 3 years and never missed our payment, our Credits scores are higher than XXXX as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of information was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information listed below : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX BANK DELAWARE XXXX has violated my rights. 

15.U.S.C 1681 SECTION 602 A. States I have the right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial continues to update inaccurate information on my credit profile. I paid their debt collector and they continue to strike my credit report with late payments whenever my score increases. On XX/XX/XXXX, my credit score reached XXXX, and the next day on XX/XX/XXXX, Ally Financial reported 3 late payments from XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, causing a XXXX point decrease in my credit score. This account has been closed for 2 years and paid but they continue to report false and incorrect information that is detrimental to my credit reports whenever my score goes up.. This is a violation of the Fair Credit Reporting Act and I demand that Ally Financial remove this account from my credit profile immediately. I have all the evidence & proof that they have broken federal law. I have filed my complaint with the attorney general as well. I reported this to the credit bureaus and proved they broke the law. XXXX and XXXX have removed the account from my report but XXXX continues to report this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent XXXX, XXXX and Equifax a letter stating I wanted inaccurate information removed from my credit report. They sent me letters stating everything was accurate and nothing was changed. I explained to them that the information was reported differently amongst all three credit bureas and that there was no way their information could have been accurate. This inaccurate information has prevented me from buying a house and I would really like to get this matter resolved. I've given them XXXX months to fix their errors, yet they have failed me as a consumer by reporting erroneous information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

somebody stole my identity while I was XXXX And is ruining my credit by making outrageous purchases. I have no knowledge of what and who this could be.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account XXXXXXXX XXXX XXXX XXXX Account 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: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to Experian XXXX We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Debt collection

I have received several more calls from Capital Management after I told them not to call me and the debt is not mine. I have not returned any of the calls to XXXX. This is my second complaint against this company. You contacted them but there is obviously no resolution because they continue to harass me.
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. 

Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account NumberXXXX  Account Name : XXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account NumberXXXX  Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name XXXX XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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: Debt collection

On XX/XX/2022 the debt of the amount of {$970.00} was disputed on XXXX, XXXX and XXXX as being not a valid debt. The collection company L j Ross Associates still has not reach out to me to provide a legally required debt validation letter, which outlines what debt and original contract, creditor information payment history, proof of ownership. The statute of limitation on New York State debt is 3 years. This debt is incorrect on my credit report and should be removed due to it being time- barred and falsely stated.
Product: Student loan

I applied for a refinance with SoFi and I was offered much worse terms than they advertise. I have approximately an XXXX FICO score with over 12 years of stellar credit ( deep credit ), I make over XXXX, I have no debt except for a car loan and the student loans ( not even a mortgage ) ; and SoFi quoted me at 4.99 % as the best possible fixed rate. The company has been advertising 3.5 % interest rates all over ( competing with other student loan refinance companies ) ; if I am not being offered the best rate, I believe that there may be some fraud going on with marketing the rates.
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 1681XXXX XXXXXXXX XXXX  # XXXX # XXXX # XXXX # XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 instruction 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 reporting agency if the person knows or has reasonable causes to believe that the information is inaccurate.
Product: Checking or savings account

You charged me XXXX overdraft fees in the last 5 months. 
I request refund on all of them. 
You are doing this to millions of customers. 
You are purposely delaying incoming transfers and overdrafting the accounts. 
This is done purposely and you are stealing from millions of cunsomers. 
I even do not see anything untill you charge to my account. As your policy, we should be able to make deposit the same day if the account is overdrawn. What you do is blocking incoming transfers so you can charge overdraft fees. 
You are basically using my money to cover my payment and stealing XXXXXXXX XXXX for each transaction. 

XXXX Account number
Product: Checking or savings account

I was on XXXX when someone reached out to me saying they worked for the government. I trusted them and they had access to my account in which I lost XXXX dollars total. I tried to submit a claim with my bank ( Capital One ) and they said they could not help because I gave authorization. Keep in mind that the person had access to my account and I had to do what they said because I was told that they can take my account.
Product: Mortgage

XX/XX/year> Updated XX/XX/year> NewRez, LLC XXXX XXXX XXXX XXXX, SC XXXX Loan # XXXX To Whom It May Concern : We closed on our mortgage with XXXXXXXX XXXX on XX/XX/year> which was transferred to XXXXXXXX XXXX XXXX XXXX XXXX ; loan XXXX ) as of XX/XX/year> ( official date was to be XX/XX/year> ). It was then bought by NewRez, LLC but we had actually paid off the loan on XX/XX/year>. 

We contacted XXXXXXXX XXXX XXXXXXXX who was the servicer for XXXX and were told the loan had already been transferred to NewRez. We have contacted NewRez, LLC by phone numerous times regarding both our loan overpayment and escrow refund ( loan # XXXX ). Each time we were told something different from all the various customer service representatives. Sometimes they noted that a supervisor would investigate our issues and call back, but no one returned our calls except at XXXX ( MST ) on XX/XX/year>. They called on my wife 's phone but left no message or callback number. When I called back again that day, I was informed from XXXX XXXX XXXX XXXX XXXX XXXX  that I would need to file a complaint through a letter that must be FAXED to XXXX ( no email address ). Several weeks ago, they sent a correspondence ( XX/XX/year> ) indicating that they had received our information, would be checking into it and getting back to us within the allotted time frame. We have not heard anything back from them as of XX/XX/year>. 

We received a check of {$89.00} which was stated to be our escrow refund but we did not cash based upon the incorrect amout. However, our records indicate that the escrow amount was {$150.00} per MONTH with no monies paid out of this account since our loan was finalized as of XX/XX/year>. Per the information as outlined from the attached XXXX correspondence, the escrow amount to be returned should be {$630.00}. Additionally, it has been almost six months since the loan was paid off by XX/XX/year>, with the XXXX correspondence stating the payoff date as of XX/XX/year> of {$200000.00}, so we should also be receiving a refund of the loan overpayment of {$500.00} ( again per the XXXX correspondence ). 

Please note that we will also be sending this as a complaint to CFPB as these payments are past the time period required under federal law. Please contact us regarding these refunds that are due back to us so we can receive our correct escrow & overpayment in a timely manner with appropriate interest. Based upon our research, it appears that Newrez/Shellpoint has a track record of non-compliance with federal law especially in the areas of mortgage escrow and payments. We believe that both civil and criminal complaints should be filed as it appears that they have caused harm to numerous clients. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX, AZ XXXX XXXX ; XXXX ; XXXX ; XXXX
Product: Credit card or prepaid card

Citi AAdvantage Business c redit card customer service people have engaged in actively discriminating against minority business owner customers in charging their annual fees, and purposely using very poor customer service approach to actively  mentally bully minority business owners f rom access to fair use of business credit cards. They use their skillfully trained abusing approach to force minority business owners to close their accounts after paying them the annual fees.     This should never be allowed in the business practice.     As a concrete example, please investigate  Citi  bank customer service people :  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX  in the South Dakota Center. In particular,  XXXX   XXXX  admitted that she lied during our conversation. She  deployed  mentally abusing tactic to bully me to close my account to reach her goal to get rid of minority business owners from fair chance to access business credit cards.
Product: Credit card

Case ID dispute XXXX {$200.00} XX/XX/year> They keep sending me emails/letter stating past due I get many different responses when I calltoday XXXX in fraud said there is no charges showing, it just hasnt cleared, been told the day I disputed there was a charge but didnt know by whom, after that rep I got supervisor saying no charge existed and the dispute would go away, it didntyesterday the rep said it had to be resubmitted and Id get an email ..did not get Macys American Express..told them nothing was received for the charge too
Product: Money transfer, virtual currency, or money service

I received XXXX from a client {$510.00} is on hold, the client has confirmed on his side that he has received the service, that's why he paid me in the first place. I need the money released in time before my payments are due this Friday, I trusted PayPal and PayPal says I have to wait XXXX more days before I will receive tje rest of my funds. I'm really not asking for much here I just need XXXX thing in my life to go right for once please
Product: Mortgage

Every month since Nationstar was assigned our mortgage we have been harrassed by phone calls stating that we are 2 months in-arrears. When we assigned I made a call to nationstar stating that my husband is on XXXX and gets paid the XX/XX/XXXX, They told me that it was n't a problem because we have 10 day from the due date to pay. We are on automatic payment so it is sent the XXXX of every month, which is in the 10 day window. Since this has been going on for XXXX years and we repeatedly explain this to them monthly. We receive XXXX to XXXX calls a day from the XXXX of the month to the XXXX. We have proven to them that we are not in arrears with copies of our payments. Now we have not been late in the 20 years of paying our mortgage, and only having 18 months left. We like to know our rights and how to stop the madness.
Product: Checking or savings account

XXXX. There is about 130 Transactions that I did not authorize and they just wont refund the money. Nor will they provide a reason to me why they didnt. They have refused to refund me and wont give a reason now. I also showed proof of fraud and they still said the claim will remain closed. And they just open a new claim with a different transaction solely to investigate the old one but were past 10 days and they refuse to work with me and Ive only gotten the run around and treated awfully even been called rude things by there staff. So Im very upset and in a bad spot financially now.. I truly need help ASAP. Im down XXXX now.