23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have a closed account with XXXX, loan # XXXX, which is reportedly differently with the XXXX reporting agencies. I pay Equifax {$19.00} a month for credit monitoring and access to my credit report at any time. While applying for a loan, I was informed by a banker that the Equifax report that they pulled showed a major delinquency of XXXX months on this account, it specifically says " XXXX days past due '' for XXXX months ; the section for XXXX days past due said " XXXX '', the section for XXXX days past due said " XXXX '', but the XXXX days said " XXXX ''. The banker said that didnt even make sense. On the report that I am able to pull for $ XXXX, it shows as " paid and closed '' and the date of major delinquency is " blank '' and there is not any mention of ever being past due for XXXX, XXXX, or XXXX days. The reports were totally different. I brought in a copy of the report that I pull for $ XXXX to the banker at XXXX and XXXX showed me their report. I called Equifax and was not given any explanation of the discrepancy between reports. 

Also, the credit score on the report that I pull for $ XXXX was XXXX points higher than the report that the bank pulled. I was informed that the underwriting department can only use the official report that they receive from Equifax, and the copy that I pull for {$19.00} could not be utilized. I was denied the loan based upon the " serious delinquency of XXXX months ''.
Product: Mortgage

Here is the situation, Bank of America, my mortgage company, placed forced insurance on my home ( I also had homeowner 's but it expired during this timeframe ). In XXXX in the fall right around the time of Hurricane XXXX, a 200 year old tree fell on and halfed my house, taking out XXXX bedrooms, the roof and more. 
I notified the bank and after a long time an adjuster came out and a determination was made that the damages amounted to over {$80000.00}. Well, since XXXX, Bank of America, despite calls and letters, has not released any of those XXXX repair funds and my home has been broken into, items stolen, rain, mold, further damage has been sustained and I have requested that the full insured value of the home insurance policy be released over {$300000.00} based on new damages due to the fact that the bank was untimely and has withheld ( and still is withholding the XXXX repair assessment PLUS EARNING interest ). Previously they released in XXXX funds they had held onto and earned interest on ( though they did not give me the interest earned XXXX from XXXX and XXXX in XXXX!!!. The home now needs to be DEMOLISHED and completely rebuilt which is why I need the full value of the forced Bank of America forced insurance policy NOW. We have been unable to occupy the home since the damages and the place we were renting is now being sold and we are homeless and living with relatives out of state. My loan was recently modified by the bank but I told them I can not afford to pay the mortgage for a home that is condemned and we ca n't occupy AND pay rent. Please force BOA to release the full value of the policy so the home can be demolished and rebuilt. I am also incurring fines/fees from XXXX XXXX based on the condition of the property. I have written to BOA, contacted XXXX XXXX and XXXX and XXXX, who helped me purchase the home in XXXX. 

Bank of America has placed forced insurance on my home in the past and when claims were filed NEVER paid them out and added insurance onto the property though they had documentation that I had purchased my own homeowner 's policy. Now they have been holding onto the insurance repair funds for OVER three years while the property steadily deteriorates and expects me to pay the mortgage for a place that is uninhabitable and can not me made habitable because they have not released the insurance funds to repair it WHICH are No Longer Enough to repair the home which has toxic black mold, water damage, animals inside ( squirrels, mice, raccoons, etc. squatters, thieves have ransacked it and my personal contents. ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX  XXXX as well as Transunion and XXXX about the late payments on my credit report. Transunion has hung up in my face has declined assist me with a dispute over the phone told me that the dispute can only be mailed in and done online when it clearly states, it can be handled over the phone on their website when I informed them that I was going to file a complaint with the consumer protection federal Bureau, they stop assisting me and hung up multiple times. My report has been violated with the following laws. 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

The capital one account that Im referring to is the account opened XX/XX/XXXX and XX/XX/XXXX. The only credit reporting agency that has updated my information properly as per request of XXXX  XXXX is XXXX. XXXX stated they submitted a case and ask Transunion has refused to assist me which is also in violation of 15 USC 1681 ai For not reporting accurate and complete information on my credit and improper use of my credit report
Product: Credit reporting or other personal consumer reports

Privacy Act of 1974 A charge off is considered a Certificate of XXXX  which means it is income and must be removed! 


Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 Effective Immediately and Indefinitely
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. This creditor has violated my rights under 15 USC 1681 sections 602, which states i have a right to privacy.15 USC 1681 section 604a section 2 it alsostates that consumer reporting agencies can not furnish a without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any reason. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub>XXXX I created a account for Equifax. I entered all my personal information including my full social security number. I received in their words " a summary for a quick view of key information " Credit Report on my phone. This summary was the equivalent of an XXXXXXXX XXXX XXXX XXXX appetizer. The screen had a image to tap on to speak to a representative. I did this and a machine voice asked for all my personal information ( XXXX ) XXXX? including my full social security number which I entered. Then the machine said press a number to speak with representative. Then the machine voice said ; I'm sorry what was that or I didn't understand and some other comments, over and over in a endless loop. After 2 minutes of listening to this I hung up and contacted you. The CFPB. I think I called XXXX for Equifax. I'm sorry it's been frustrating.
Product: Credit reporting or other personal consumer reports

This debt is considered a charge off. However, this is actually considered income because i should have received a 1099c in order to account for this as income. This is not a charge off. I'm requesting that is removed because it is not debt. This is considered income and income should not be reporting on your credit report. 
Account Name ( XXXX XXXX XXXX  ) Account # ( XXXX )
Product: Debt collection

1.I have never had an account with this company Spring Oaks Capital LLC , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are Spring Oaks Capital LLC the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX I am deeply disturbed by how XXXX XXXX, XXXX, and Equifax have violated my rights and continue to do so without care. Who is going to govern them?

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 data is inaccurate. 

I would like {$1000.00} for every violation on my report and for all inaccurate information to be deleted from my consumer report.
Product: Credit reporting or other personal consumer reports

I disputed the account several times and have asked for statements from when the account was first opened up until how much the alleged balance on the account. I have not received requested.
Product: Debt collection

XXXX Claim I took out loan Wells Fargo 2011, in California XXXX XXXX. Had my information but I did not live in XXXX nor have account with Wells Fargo 2011. They called me saying I owe {$400.00}, Wells Fargo can not verify or says I owe any debit. The loan amount was {$400.00}, no interest. Rep would not mail me verification letter, said she would escalate it back to collector
Product: Debt collection

This is a XXXX account now a collection account that now appears as a collection account for {$1200.00} Account Name EOS CCA. In XX/XX/2013 i was contacted by XXXX, my cell phone provider at the time. They informed me that my data which included my location was accessed multiple times during the month of XXXX 2013 including my location by an unknown third party that breached XXXX security system. They offered me free months of service which i denied. They agreed to close my account with a XXXX balance. i went on to obtain a new carrier. I began to received bills from XXXX, I attempted to resolve the bill, they stated they would fix and XXXX the balance and that never happened. I have disputed the account with the credit beurou and they continue to report this information as correct and accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 15 USC

1681 Section 602 A- States I have the right to privacy. 15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my writt
en instructions. 15 USCC. ( a ) ( 5 ) 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 or convictions of crimes which antedates the report by more than seven 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 has reasonable cause to believe that the information is inaccurate.
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  : Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX : Account XXXX XXXX XXXX  Account Name : XXXX : Account # : XXXX Account Name : XXXX XXXX : Account # : XXXX Account Name : 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: Student loan

I contacted Navient to get a lower payment and was denied. Also, asked about the original loan and school name and was unable to obtain information.
Product: Debt collection

This company I have no affiliation with, never worked with or had an account with is accusing for a large debt. The company has never validated the information. I have never received a letter, proving documentation.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX Bridgecrest Acceptance Corpora. I do not have a contract with XXXX XXXX XXXX they did not provide me with the original contract as I requested. 

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 US 1681. XXXX Account # XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of 2020 Myself and family where dealing with XXXX  related emergencies and were unable to pay our mortgage on time. Before and after those dates we have not been late. I explained to the Credit Bureaus the situation and pleaded for some grace on those 4 consecutive months. The late payment is really hurting my credit and preventing me from getting a loan my family really needs. Please any help would be great. Thank you
Product: Payday loan, title loan, or personal loan

I applied to a 1k loan back in XXXX the interest rate was high total pay back would be 7k total. I lost my job XXXX weeks after the loan, months later they want a whopping 8900 dollars with no end in sight accruing interest This company practices in predatory loan and needs to be shut down. It is illegal and needs a class action law suit against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/2017 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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: Vehicle loan or lease

Description of the Issue : I am writing to file a formal complaint against XXXX XXXX regarding their handling of my auto insurance claim and to request compensation for the damages their negligence has caused. Below is a detailed account of the issues I have encountered : Incident Description : On XX/XX/24, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I promptly filed a claim with XXXX XXXX following the incident. 

Lack of Response : Despite my numerous attempts to contact XXXX XXXX to discuss the status of my claim, I have not received any meaningful response. My efforts to reach a human representative include : 1. Phone Calls : I have called XXXX XXXX multiple times at their main customer service number ( XXXX ) and the general customer support number ( XXXX ). Despite navigating through various menu options, I have been unable to speak to a live representative. 
2. Emails : I have sent several emails to XXXX XXXX, providing all relevant details about my claim, yet I have not received any responses. 
3. Social Media : I have attempted to reach out to XXXX through their social media channels without success.

Impact on My Financial Situation : Due to the open claim, my car loan creditor, Chase Auto, continues to expect payment for the totaled vehicle. I requested a pause in payments from Chase Auto while waiting for XXXX XXXX to process the claim, but my request was denied as they determined that my situation did not qualify as a hardship. The lack of response from XXXX XXXX has exacerbated my financial difficulties, as I am unable to resolve the claim and address the outstanding loan balance.

Credit Score Damage : The ongoing delays and lack of communication from XXXX XXXX have resulted in missed payments to my car loan, causing significant damage to my credit score. This has had a detrimental impact on my financial stability and future credit opportunities. 

Request for Resolution and Compensation : Given the severity of this situation, I kindly request the following actions : 1. Immediate assignment of a claims adjuster to handle my case.

2. Prompt communication from XXXX XXXX regarding the status and next steps of my claim.

3. Resolution of my claim in a timely manner to allow me to address the outstanding loan balance with my creditor.

4. Compensation for the damages to my credit score and the financial difficulties caused by XXXX XXXX negligence. This includes reimbursement for any additional fees or interest accrued as a result of missed payments. 

Conclusion : I seek your assistance in resolving this matter. The lack of response from XXXX XXXX is unacceptable, and the refusal of Chase Auto to offer temporary relief has left me in a precarious financial situation. The damage to my credit score and the financial stress caused by XXXX XXXX negligence warrant compensation. I hope that your intervention will prompt XXXX XXXX to address my claim swiftly and fairly. Thank you for your time and attention to this matter. 

Sincerely,
Product: Payday loan, title loan, or personal loan

I got approved for a {$900.00} credit line thru Preferred Lease while I was shopping aXXXX XXXX XXXX XXXXXXXX XXXX at XXXX XXXX XXXX, XXXX, OH XXXX on XX/XX/2021. My phone number for the account was XXXX ). My address for the account is XXXX XXXX XXXX, XXXX XXXX, XXXX, OH XXXX. I purchased a pillow top mattress set on XX/XX/2021 for {$430.00} without tax. The store owner told me that they would send me the mattress set and set it up on XX/XX/2021 at no cost to me. For some reason they called me around XXXX XXXX  on XX/XX/2021 offering to deliver it that night. The delivery went fine expect that the mattress was wrong and I needed them to send me the one I ordered I called them on XX/XX/2021 and spoke to the female receptionist at the store phone number XXXX who stated that they would not refund me even though they sent me the wrong mattress. The thing is I did not sign any documentation for the mattress when it was delivered. They have no proof that I had received the right items during the delivery specifically the type of mattress that I ordered and that were supposed to deliver. 

I ended up calling the Preferred Lease ( credit line provider XXXX customer service between XX/XX/2021 and XX/XX/2021 attempting to resolve the situation. The representatives in their customer service department did not seem willing to assist me with anything. I wasted a lot of time arguing with them. I explained that I intended to send supporting documentation and they refused to let me. I eventually ended up talking to someone I thought was very helpful. At first they told me that they'd have a regional manager reach out to the store and resolve the situation on XX/XX/2021. When I called back on XX/XX/2021 after waiting about a week, after their customer service told me to wait 48hrs for the regional manager to get back to me, they said that they couldn't do anything for me since, I quote " they said that they gave you the right mattress so there's nothing we have to do. '' At that point I ended up just paying the full amount because they " informed '' me that they would put the account in collections along with extra fees if I did not pay. I have clear evidence that the mattress set is not legitimate. They gave me a random mattress that's value is unknown and could be used or valued less than the mattress set I selected and purchased.