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

XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), XXXX XXXX XXXX are all inquiries that were without my authorization & 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 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

On XX/XX/2021, I sent letters via certified mail out to XXXX, XXXX, & Transunion regarding an account that is being reported incorrectly on my credit report. I asked them to correct the information. They never have. I have sent them proof that the company is reporting inconsistencies across the reports. They do not match. The agencies have not followed up with me or provided any documentation on why the data has not been corrected. I subsequently mailed letters in XX/XX/2021 asking them to provide me with how they 'verified " the information and to delete the account altogether since it was not correct. I still have not heard back. The agencies failed to do their due diligence. If they had the data would not differ from credit bureau to credit bureau.
Product: Debt collection

I had XXXX for year. I swtiched to XXXX briefly my line and my 4 childrens due to a promotion for buy one phone get one free. The new phones kept getting cancelled due to a backorder. In addition, XXXX stated it would be an easy switch but it was not and my current lines were not working correctly. I called XXXX and requested to cancel all orders. 
I returned the one phone they did send, which they confirmed receipt and credited my account. I spoke w several reps to close the account due to the 2nd phone not arriving and awful service. They " Guaranteed '' me it was cancelled. Somehow, I kept getting a bill and FOR THE PHONE THEY CANCELLED the full charge for the phone they KNEW THEY CANCELLED. Now the debt, which I Vehemently dispute, keeps going to collection agency after collection agency. WORST PHONE COMPANY EVER. 
Please make them stop. They are full of empty promises and false charges! 


We canceled some or all of your order XXXX. Here 's what was canceled and why : Item Image XXXX 's XXXX XXXX XXXX Plus - 64GB - PRODUCT RED XXXX Quantity Ordered : 1 Quantity Canceled : 1 Reason : This item flew off our shelves and isn't available anymore. Let 's try this again. Shop online now or visit a store to find what you want.
Product: Mortgage

I am disputing the XX/XX/XXXX sale date while we are doing everything we can to supply a document for Shellpoints underwriters request given to me yesterday. I am requesting that the sale date be placed on hold until this last minute request can be provided to us by XXXX XXXX in order for Shellpoint to include the income from XXXX XXXX XXXX XXXX which is needed to qualify for a modification. I have submitted to Shellpoint the last mortgage statement I have received on this property but since it is not current I have worked with my attorney to request XXXX get this document to you as soon as possible. I was asked by Shellpoint representative to either provide this mortgage statement or submit an incomplete package which will lead to a denial, therefore, with both of these options being unacceptable I am disputing these unfair actions and asking for a fair review for a modification I know that I can qualify for given I have had 4 properties modified to date since my financial situation has improved. We are working diligently to provide this request to you. 

As per your most recent request today, Wednesday, XX/XX/XXXX given to me from Shellpoint Rep. XXXX at XXXX : 1. ) The following properties that were listed on my XXXX Taxes have been foreclosed on and are no longer in my name : XXXX XXXX XXXX XXXX XXXX XXXX 2. ) A current mortgage statement for 1 XXXX XXXX serviced by XXXX XXXX XXXX ( Property has been in litigation and I am represented by my attorney Mr. XXXX XXXX, ) in order for underwriters to include this income in their review, and thus qualify for a modification. 

I am working with my Attorney, to try once again to get a copy of a current mortgage statement from XXXX XXXX XXXX , XXXX Loan # XXXX  for 1 XXXX XXXX to fulfill yesterdays request. 
We have turned in the last statement for this property, which was provided to me from Shellpoint.  XXXX has admitted that since servicing my loan it has not ever provided a mortgage statement to date because it has been in litigation but is now working to expedite a copy for Shellpoints underwriters for their review. 
If you would like to call my attorneys office and put in your request as well, here is the contact number : XXX-XXX-XXXX I am doing everything I can to get you this information and am requesting the time necessary to produce this document as it is out of my hands. Please wait for this mortgage statement in order to use the income for this property in your review and cancel XX/XX/XXXX sale date. I demand a fair review for modification!
Product: Credit card

I have had an ongoing issue with Bank Of America ( BoA ) Bill Pay for over a month now. 

I opened a joint savings account for me and my wife to pay our credit cards with. Bank of America ( unlike all our other credit cards ) does not allow savings accounts for Bill Pay. I asked a BoA what I should do and she told me to add the savings account as a checking AND money market account on bill pay and the system would be fine. It turns out this was awful advice as it cause a fraud alert on the system ( trail deposits were rejected by my savings account as BoA had an account type mismatch ( calling it a checking/money-market when it was a savings account ). BoA has not disabled my Bill Pay and have prevented me from unlocking the Bill Pay. I am unable to add any new accounts to bill pay and I can not pay my credit card online or set up auto pay. Not allowing a customer to set up auto pay is a predatory process and BoA has offered no resolution on how to fix the issue. 
The only resolution I was given that could " possibly '' work is to send in a paper form ( or fax... who uses fax?! ) a voided check to prove account ownership. I can not send a voided check as this is a savings account... not a checking account which I told them over and over and over again. I sent documents proving proof of account ownership ( bank statement, direct deposit form, online banking screenshots ), but they stated they received nothing and it has been over a month since these documents were sent. 
They have no provided any verification that my online account will ever be unlocked and continually do not provide any assistance on fixing this issue. 

All I want to do is add the joint checking account to pay our credit card bills ... but BoA is making this impossible. 

They are requiring ANY new accounts to be added have to be mailed with a voided check to a random XXXX XXXX in Ohio... so i have to send my private account credentials to a XXXX XXXX in Ohio. They state I can still make payments over the phone ... which is not a simple and easy process and just makes paying my credit cards harder. 

They have made paying my credit cards a excruciating task and offer no assistance to fix anything. 

I have already sent them required documents and they have provided no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) he 3 credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX
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. 
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 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

Last Saturday, I applied for an " Apartment '' filling out the necessary financial " screening paperwork '' which include an " Experian '' credit report. The " Experian '' credit report falsely noted that I had a home " Foreclosure '' sometime in XXXX or XXXX. I am a victim of " Identity Theft '' and now after calling " Experian, '' " Experian '' is also refusing to give me a copy of my current " Credit Report '' that they have on me. I was wrongfully " Denied '' to move into this newer/nicer " Apartment '' complex all thanks to " Experian. ''
Product: Mortgage

On XX/XX/XXXX I went to the bank to pay my mortgage. I unfortunately was behind on paying so I sat down with a banker and spoke on the phone with someone from the mortgage department. I found out the total amount that was due for me to get caught up. I then proceeded to try to pay with two different cards. One from my credit union and the other from. My XXXX XXXX checking account. The first portion {$700.00} was paid and when I attempted to pay the second portion I was informed that the bank would not accept my request due to the fact that I was attempting to use XXXX XXXX. I then on XX/XX/XXXX paid the second portion. When the second part was paid I wanted to make sure that I was up to date. The individual who accepted the payment stated that the first one did n't show but that was when I paid the money the bank was processing and would show after the weekend. I asked if she could see that it was in the system at all and read all the information that was on the receipt. The bank never showed the payment for the past year. I proceeded to send copies to the bank so that they could do an inquiry and find the money. When nothing came of that I proceeded to go to one of the branches and had the branch manager to electronically send the bank receipt and the receipt from my credit union showing that the payment was made. I then tried to buy a new home and also was trying to buy a car but the bank has put the delinquency on my credit report. My mom was the one who consigned for me and this has affected her credit as well. The mortgage department stated that they never received any of those emails and faxes. When on the phone I was told by one person that the payment was paid to a portion of my principle instead of the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts below are reporting on my personal credit file with EQUIFAX. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher are not complying with federal law in regards to identity theft. Additionally, the data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 

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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The accounts are -XXXX XXXX XXXX XXXX on XX/XX/XXXX Amount : XXXX XXXX XXXX opened on XX/XX/XXXX Amount : XXXX - XXXX XXXX XXXX XXXX on XX/XX/XXXX Amount : XXXX I've reached out to these companies and have not received any type of feedback.
Product: Credit card or prepaid card

On XX/XX/2023, I received a phone call from Avent computer about a possible fraud due to some game charges I was playing and it's a great feature to have. 

I got the call at around XXXXXXXX XXXX. EST. 
It was advent 's computer calling about a fraudulent charge and the computer is the only way that they send you a message to verify if the charges are valid or not so your account could be unlocked. They said no email they send no text it's only by phone. I hadn't done anything in hours. So I called them. 
Ask them when the original charge that it frauded was for time and what it was. That's when the representative told me that it came in and they used there time zone but for mine it was at XXXX something XXXX. and I didn't get the call from the computer until XXXX XXXX 

I will attach as many of the email copies as I can. 

I apologize if you have duplicated attachments or if you need more it's very hard for me to be doing this and copying emails.
Product: Checking or savings account

I currently bank with Bank of America and I recently learned that they do not have any ADA accommodations for clients who have a fraud alert on their account. 

I recently had a XXXX that cause me to be XXXX  on my left side. I am XXXX XXXX XXXXXXXX and reside in a rehabilitation facility. I have to rely on most interactions virtually, as I am XXXX XXXX. 
Bank of America placed a fraud alert on my account that can only be lifted if I visit a bank. 
That is difficult for me to do on so many levels. First, I would have to contact special transportation to get me to the bank and find a caregiver to stay with me. If I have to use the restroom during my time at the bank, I would have no other option but to go in my diaper, because I can't stand, which is humiliating. Then, I would have to contact transportation to pick me ( but they would need to know the time in advanced ). 

I am late on bills with no access to funds in my account do to this and BOA has done nothing to accommodate me considering my situation.
Product: Debt collection

This company failed to notify me of this debt before reporting it in violation of 12 CFR 1006. 34 ( c ) ( 4 ) ( i )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting false information on my report. Even though the company has rectified the issue. The XXXX XXXX is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of 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
Product: Debt collection

In XXXX I responded to a wage garnishment. I went to the court and filed the necessary response. The officer informed me that the company had 30 days to send a response. The 30 days came and went. Since I had asked for a copy of my application and the amount owed at the time of write off I assumed this information could not be found. I then called Discover and was told to contact the agency that had my account. I spoke to a rep who was located in New Jersey about my account. He started to ask my information like address, ss #. I decided that if this company was suing me they should have this information. When I asked this question I was " disconnected ''. I did n't hear from the agency again. XX/XX/XXXX I was informed by my payroll department that my wages would be garnished again I tried to get information. This time I found that the agency is in XXXX XXXX. The practices of this company are sneaky and unfair. I feel I did respond within the time frame. I was also told by the sheriff that I had correctly responded to the order. Why was there no response? The company then waits a year to garnish me without any further notification?
Product: Credit reporting or other personal consumer reports

I'm not connected to these creditors, and I didn't start those enquiry. I'm asking you to get them out of my credit report immediately.
Product: Credit reporting or other personal consumer reports

The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in XXXX  that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b When I signed up for student loans I signed a privacy act form that said the school would not provide transaction history ( the amount owe being disclosed on my consumer report falls under transaction history ) to any third party companies. EXPERIAN and XXXX are third party companies.
Product: Mortgage

About a year ago I refinanced my single family home and the mortgage ended up with New Rez/Shellpoint -- XXXXmy house appraised at $ XXXX and my current loan balance is {$200000.00} which puts it at a 79.99 % LTV -- -Per XXXX XXXX  guidelines I initiated a PMI removal request. I received a denial letter that stated -- '' Although its been 2 years since your mortgage loan closed '' they can not remove my PMI. " Because your property 's value has not increased, your property 's LTV ( Loan to Value ) ratio has not decreased to 70 % or less-which is what's required to cancel PMI on a XXXX backed loan as a result of home improvements or property-value increases ''. This is just false information they are submitting to their clients. I have supporting documents
Product: Checking or savings account

To whom it may concern Im writing this in regards to unauthorized transactions which happened on XXXX XXXX through XXXX XXXX  with my capital one 360 checking debit card from XXXX with several transactions as follows XXXX {$1100.00} XXXX 2022 $ XXXX {$130.00} XX/XX/XXXX {$1000.00} and XXXX when I spoke to several claims representative I informed Capital One that my phone, wallet which includes all my credentials was compromised I also provided a case number from XXXX XXXX Police Department as I explained the urgency of why this was not authorized by me one representative stated that an investigation was going to be held in the mean time a temporary credit would be provided because this really happened at a bad time where I had to pay my mortgage and car note capital one did not care its been ten days when I called over and over they stated it would be taking care of I finally spoke to another representative who stated that my claim was denied because my phone was used well of course my phone was used it was stolen with all my debit cards and information I am very un satisfied with the service I received especially in this time of trouble please someone help because this needs to stop I provided police details etc and capital one has the nerve to come to decision without doing any research im having a hard time recommending this company to anyone from now on until this issue is fixed
Product: Debt collection

XXXX IS REPORTING FRAUDULENT DEBT ON MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

As per the Fair Credit Reporting Act ( 15 USC 1681, section 602a ), it is emphasized that consumer reporting agencies must carry out their significant responsibilities with fairness, impartiality, and a commitment to respecting the consumer 's right to privacy. XXXX, XXXX and Experian function as consumer reporting agencies, and I, as the consumer, possess the right to ensure that my private information remains undisclosed, as supported by 15 USC 6801. This statute declares the Congress 's policy that financial institutions have an ongoing obligation to safeguard the privacy and confidentiality of their customers ' nonpublic personal information.

The entity providing information to credit agencies, considered a financial institution under this title, is governed by 15 USC 1681, section 604a ( 2 ). This section specifies that consumer reporting agencies may furnish a consumer report only in accordance with the written instructions of the respective consumer. To emphasize, the financial institution and the consumer reporting agencies, XXXX, XXXX and Experian, lack my consent and written authorization to disclose this information. 

Referencing 15 USC 6802 ( b ) ( c ), it is stated that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without providing the consumer with an explanation of how to exercise the nondisclosure option. Unfortunately, the entity providing information to credit agencies failed to inform me of my right to exercise this option. Furthermore these institutions have been given notice of me exercising said option of nondisclosure.

Furthermore, 15 USC 1681C ( a ) ( 5 ) expressly prohibits consumer reporting agencies from including certain adverse information in a consumer report without proper authorization. The adverse item being reported without my consent violates this law, as does 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ), which prohibits furnishing inaccurate information to consumer reporting agencies.

Moreover, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to prevent violations and limit the furnishing of consumer reports to specific purposes. XXXX, XXXX  and Experian appear to be falling short in maintaining these reasonable procedures as these accounts have been disputed with each of them multiple times.

Also, 15 U.S. Code 1681c states that Except as authorized under subsection ( b ), 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.