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

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 WITH YOUR FINANCIAL INSTITUTION EXECUTED BY WAY OF SIGNING AN AGREEMENT ( DOCUMENT). AS PER 15 USC 6827(3) THE TERM DOCUMENT MEANS ANY INFORMATION IN ANY FORM.

THE PROVISIONS OF 15 USC 6801(A) REQUIRE FINANCIAL INSTITUTIONS TO NOTIFY CONSUMERS OF THEIR INFORMATION SHARING PRACTICES AND PROVIDE FOR A RIGHT TO OPT OUT OF CERTAIN SHARING. 

IN THE ABOVE MENTIONED CONSUMER CREDIT TRANSACTION, WITHOUT GIVING ME THE OPPORTUNITY TO OPT-OUT, YOUR INSTITUTION FURNISHED MY NONPUBLIC PERSONAL INFORMATION TO NONAFFILIATED THIRD PARTIESXXXX XXXX XXXX XXXX XXXX EQUIFAX )

ACCORDING TO 15 USC 6809(4)(A), THE TERM  NONPUBLIC PERSONAL INFORMATION MEANS PERSONALLY IDENTIFIABLE INFORMATION-

(I) PROVIDED BY A CONSUMER TO A FINANCIAL INSTITUTION;
(ii) RESULTING FROM ANY TRANSACTION WITH THE CONSUMER OR ANY SERVICE PERFORMED FOR THE CONSUMER;OR
(iii) OTHERWISE OBTAINED BY THE FINANCIAL INSTITUTION

FURTHER, PURSUANT TO 15 USC 6809(5) THE TERM NONAFFILIATED THIRD PARTY MEANS ANY ENTITY THAT IS NOT AN AFFILIATE OF OR RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL WITH THE FINANCIAL INSTITUTION BUT DOES NOT INCLUDE A JOINT EMPLOYEE OF SUCH INSTITUTION.

THEREFORE, AS PER THE LITERAL INTERPRETATION, THE ORGANIZATION NAMED TRANSUNION, EQUIFAX AND EXPERIAN ARE NONAFFILIATED THIRD PARTIES AND YOUR INSTITUTION HAS VIOLATED THE PROVISIONS OF 15 USC 6802.

IN CASE YOUR COMPANY ADMITS THAT THE ORGANIZATION NAMED; XXXX, EQUIFAX XXXX XXXX IS AFFILIATED, IT HAS STILL VIOLATED THE PROVISIONS OF THE FAIR CREDIT REPORTING ACT.

PURSUANT TO 15 USC 1681A (D)(2)(ii), THE CONSUMER REPORT WILL NOT INCLUDE ANY INFORMATION COMMUNICATED AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL.

FURTHER, 15 USC 1681A (D)(2)(A)(ii) STATES THAT IF THE COMPANY WANTS TO COMMUNICATE OTHER INFORMATION AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL, IT SHALL BE CLEARLY AND CONSPICUOUSLY DISCLOSED TO THE CONSUMER THAT THE INFORMATION MAYBE COMMUNICATED AMOUNG SUCH PERSONS AND THE CONSUMER SHALL BE GIVEN THE OPPORTUNITY TO DIRECT THAT SUCH INFORMATION NOT BE COMMUNICATED AMOUNG SUCH PERSONS.

THEREFORE, YOUR COMPANY HAS NOT ONLY INFRINGED MY RIGHT TO PRIVACY BUT ALSO VIOLATED MULTIPLE FEDERAL LAWS.

I HEREBY DEMAND YOU TO REMOVE THE BELOW MENTIONED INFORMATION FROM MY CREDIT REPORT; UPDATE TO PAID AS AGREED

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  

IF YOU ACCEPT MY REQUEST, I WILL NOT ESCALATE THIS MATTER TO A FEDERAL COMPLAINT.

THANK YOU FOR YOUR ATTENTION TO THIS MATTER.

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

I found unauthorized inquiries, fraudulent accounts, and incorrect personal information on your credit report, my consumer rights may have been violated. Take action by contacting the credit reporting agency to dispute the information, contacting the responsible companies or individuals to request removal of the incorrect information, filing a complaint with relevant government agencies, and consulting with a consumer protection lawyer if necessary. Protect my personal information and hold those responsible accountable for any violations of my rights.
Product: Credit reporting or other personal consumer reports

There are inaccurate addresses on my report that I need to remove. These inaccurate addresses are causing XXXX XXXX  issues.
Product: Mortgage

I started trying to sell my house back in XX/XX/XXXX. I have gone through several buyers in just one year only to lose them because of USBank. I had to move and stop paying my house payment because it went from {$950.00} to {$1300.00}. My hardship began in XX/XX/XXXX due to having to quit my job because of XXXX issues, I almost lost my daughter. Because my husband worked an hour away from the house we decided to sell the house and move to another county. I have had I think at least 7 buyers and one was even willing to pay more than the house is worth and USBank denied it. My loss mitigation application has been in and out of review because they are saying I'm not providing them with the correct information. I have a realtor helping me to make sure they get what they need. I have had to send in check stubs for my husband and I three or four times. They wanted a letter from my husband saying how much he contributes and that he is in fact my husband and then they wanted to remove him from the process. Since XX/XX/XXXX my application has been in review and I called today XX/XX/XXXX and was told that it is with a negotiator. It seems to be going no where to me so my realtor told to file a complaint. This is beyond stressful. I have all emails sent from XX/XX/XXXX to current, it's too much to upload. My advice to anyone is use a lender they don't give near as much problems and never ever use USbank.
Product: Mortgage

After speaking with the lenders legal counsel today they confirmed  ocwen  received the QWR - NOE - TPA on  XXXX / XXXX /  XXXX   and has not submitted a request for postponement in order to validate the debt owed and allow the homeowner to make arrangements.     Their legal counsel received a 5 day notice of error and has failed to cancel the sale.
Product: Credit card or prepaid card

I accepted an offer for an Aspire Credit card in XX/XX/XXXX. Card account was opened. My first statement dated XX/XX/XXXX had the following fee assessed. 

Trans Date Post Date Description of Transaction or Credit Amount XX/XX/XXXX XX/XX/XXXX ANNUAL FEE {$120.00} This annual fee is exorbitant and was not clearly communicated to me when I opened the account. I communicated to the lender asking them to refund or close the account. They have refused to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX, XXXX and XXXX are reporting XXXX XXXX  incorrectly.
Product: Checking or savings account

I called the customer service number for pay pal because I was receiving phone calls and emails threatening to bill me for the service that I didnt want. 
They insisted that I fill out a refund form event though I didnt need a refund, I just wanted to close my account. After several frustrating hours, I gave them permission to control my computer. The guy added too much to my account, then insisted that he would lose his job if I didnt go to XXXX  to buy {$1000.00} gift card. Which I did and then gave him the numbers for 2 {$500.00} gift cards. Today is a holiday and I wasnt able to reach my bank. 
The 2 XXXX gift card were : Card # XXXX Access # XXXX Card # XXXX Access # XXXX I am XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute 18 inquiries that appear on my credit report. According to my records, these inquiries were not authorized by me, and I believe they were made without my consent. 

XXXX. XXXX - XXXX - Account XXXX XXXX. XXXX XXXX - XXXX - Account XXXX XXXX. XXXX XXXX - XXXX - Account XXXX XXXX. XXXX - XXXX - Account XXXX XXXX. XXXX XXXX - XXXX - Account XXXX XXXX. XXXX XXXX - XXXX - Account Review XXXX. XXXX XXXX - XXXX - Account Review XXXX. XXXX XXXX - XXXX - Account Review XXXX. XXXX XXXX - XXXX - Account XXXX XXXX. XXXX XXXX XXXX XXXX - Account Review XXXX. XXXX XXXX - XXXX - Account Review XXXX. XXXX - XXXX - Account Review XXXX. XXXX - XXXX - Account XXXX XXXX. XXXX XXXX - XXXX - Account Review XXXX. XXXX - XXXX - Account XXXX XXXX. XXXX XXXX - XXXX - Account Review XXXX. XXXX - XXXX - Account Review XXXX. XXXX XXXX - XXXX - Account Review I am also requesting that these inquiries be removed from my credit report as soon as possible, as they are negatively affecting my credit score. 

I have enclosed a copy of my credit report with the inquiries in question highlighted for your convenience. Please review the information and provide me with a written response within 30 days of receiving this letter. 

Thank you for your prompt attention to this matter. 

Sincerely
Product: Student loan

Hello, I am emailing about the Sallie Mae settlement. I attended XXXX XXXX XXXX XXXX XXXXXXXX XXXX from XXXX, I took out private loans from sallie mae that were a little over {$22000.00}. I have never been in a position to pay the loans so they kept talking me into deferments. One time the loans went into default and were sent to a collection agency but I was able to get them to pull the loans back for another deferment. as of today the loans are now over {$90000.00} with all the interest. The payments are almost {$1000.00} a month. My situation met the criteria for a loan forgiveness settlement but it was not forgiven. How can I get my account looked into for the settlement? Thank you and I look forward to hearing from you. Email is the best way to contact me. 

One other thing. When I took out these loans my last name was XXXX, I change my last name to XXXX 8 years ago.
Product: Debt collection

According to Section 392.101 of the Texas Finance Code prohibits a third-party debt collectors or credit bureaus unless the third-party debt collection or credit bureau has obtained a surety bond & filed a copy of the bond with the Office of the Secretary of State. ProCollect Inc.is illegally trying to collect debt from me & has illegally reported an alleged debt to all three credit bureaus. 

SUBCHAPTER B. SURETY BOND Sec. 392.101.  BOND REQUIREMENT. ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state. 
( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter. 
( c ) The bond must be in the amount of {$10000.00}.
Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. XXXX XXXX, 199
7.
Sec. 392.102. CLAIM AGAINST BOND. A person who claims against a bond for a violation of this chapter may maintain an action against the third-party debt collector or credit bureau and against the surety. The aggregate liability of the surety to all persons damaged by a violation of this chapter may not exceed the amount of the bond.
Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. XXXX XXXX, 1997.
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 account number XXXXXXXX XXXX XXXXXXXX account number XXXX account number and XXXXXXXX XXXX XXXX account number XXXX XXXX XXXX  account number 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 or other personal consumer reports

I am submitting a complaint in reference to this company knowingly reporting inaccurate information data. XXXX XXXX credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE ; I demand proof " TO SEE '' VALID Authorization/ Proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I XXXX XXXX legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq.

I AM MAINTAINING A CAREFUL RECORD ON MY COMMUNICATION WITH YOUR COMPANY.

15 U.S. Code 1681- Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

When a collection agency purchases a debt, they can not re-age the account to restart the clock, if this is not a practice used by CREDIT MANAGEMENT COMPANY then disclose all records tangible items, including emails, reports, and data, as well as answers to written questions and oral testimony to the contrary Since Federal laws override state statuary and 3rd party violations have occurred that means 18 U.S. Code 371 - Conspiracy to commit offense or to defraud United States has also been activated because of previous or prior insurance agreements in place and not disclosed and that also relates and brings up 18 U.S. Code 1001.After this account was placed in collections, did the alleged original creditor sell the debt or did it assign the debt, and how would it be known, If the correct validation is not attached just a statement with a debt collectors and an alleged creditors letterhead attached, proof is needed.
Product: Credit reporting

On   XXXX   XXXX   XXXX     the IRS withdrew a lien against me and my wife. I filed a dispute with Equifax and  XXXX  to have this lien removed from my credit report. Both agencies have reported the liens as verified even though I provided copies of the IRS form  XXXX  and this same form was recorded with the   XXXX   XXXX   XXXX   office on   XXXX   XXXX   XXXX   Transition removed this from my report within days of the IRS withdrawal however  XXXX  and Equifax have failed to do so despite submission of all of the legal documentation required.
Product: Mortgage

I sent a check into ServiceMac for what I thought was balance to pay off Mortgage XXXX, XXXX, XXXX they cashed our check made a monthly payment and never reached out to us that they couldn't apply it the rest to balance. We logged in to check our balance and realized I had made a mistake by not getting a payoff amount, then we reached out to them to find out what was going on with our money? This is XX/XX/XXXX they told us they would sent a check on the first of XXXX them on the XXXX of XXXX Oh, the check wasn't cut till the first probably mailed out the XXXX or XXXX... called a few times over the next few days got the same story ..mail is slow. Waited a week called them again on the XXXX of XXXX to ask again where is our money? Oh that money should have been sent XXXX haven't gotten it yet?? Nope! Ok we will get the information off the check and send it to that way ... someone called us on XX/XX/XXXX told us it would take 3 days to transfer ... STILL NO MONEY! We stopped communicating with them over the phone and started communicating through e-mail... was assigned a case XXXX XXXX but we are getting no resolution, hence why I am filling a complaint. This is 2022 it doesn't take 10 days to get a check or 3 days for a money transfer.. So here we are 36 days after they cashed our check ... My husband is a XXXX XXXX and what they are doing to us is UNACCEPTABLE! We have saved over 20 years to pay off this loan and I can not believe this company would treat a customer this way..GIVE ME BACK OUR MONEY!
Product: Credit reporting or other personal consumer reports

There are several errors on my credit report regarding late payments. These inaccuracies do not match my payment track record. I request that you fix them and update my account.
Product: Mortgage

I was granted a 2nd chance to do the loan modification which was approved to start XX/XX/XXXX I started making the payments in XXXX of XXXX and have made all three. I just received an email from PHH advising that I have not completed my trial period however this can not be true since it is XXXX of XXXX. I have sent them proof of this. I am being proactive with this at this time due to PHH has sent me through a great deal of hardship. I have sent them copies of all three cashier checks please help. 

If you should need email / document showing proof that they approved me to start my 2nd trail period as of XX/XX/XXXX I can do that
Product: Mortgage

Dear friends at CFPB, Bank of America is in violation of the California Homeowner bill of rights Restriction on dual track foreclosure : " Mortgage servicers are restricted from advancing the foreclosure process if the homeowner is working on securing a loan modification. When a homeowner completes an application for a loan modification, the foreclosure process is essentially paused until the complete application has been fully reviewed. '' On XXXX XXXX, 2016 Bank of America confirmed that they have a complete application for my loan modification, but have made no effort to remove the sale date. My home is scheduled to be Foreclosed on XXXX XXXX. As of my phone call with XXXX a CRM at Bank of America on XXXX XXXX, she confirmed that XXXX my paperwork had been fully accepted and received by underwriting. She confirmed that there was no further paperwork needed for the underwriting department to evaluate the file and it will take time for them to review the file. She said that no effort to stop the foreclosure the house on XXXX XXXX even though all paperwork has been fully accepted until further notice. 

My only phone call with the new CRM XXXX XXXX was on XX/XX/XXXX where she said if I got a complete package in 2 weeks before sale she would request for postponement. The only appointment XXXX would set up with me to speak XXXX XXXX again was on XX/XX/XXXX due to her busy schedule. 

This is clear evidence of a dual tracking violation. I am sending you a prayer of relief that you tell Bank of America to follow the law, stop dual tracking, remove the sale date immediately. 

Thank you for your service, XXXX XXXX
Product: Credit card

My Citi credit card was charged an on amount of {$180.00} on XX/XX/year>. I disputed. 
Citi bank sent me dispute response which shows that someone name : XXXX XXXX XXXX used my card to order XXXX XXXX phone, with proof of delivery to XXXX XXXX, US. I do not know who are they. I did not do this transaction. 

I just support evidence to Citi bank and they are re-opening dispute. 

I also lock my credit card. I hope Citi bank can do further investigation for my case. I am feeling unsecure if I continue using this credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX COMPANY Mailing Address XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email Address XXXX XXXX XXXX Customer Service Hours Mon. Thu. XXXX XXXX XXXX XXXX ( CST ) Fri. XXXX XXXX XXXX XXXX ( CST ) Sat. XXXX XXXX XXXX XXXX ( CST ) Customer Service Phone ( XXXX ) XXXX COMPARISON OF XXXX XXXX AND XXXX XXXX STATEMENTS XXXX XXXX DATE PAID XX/XX/XXXX extension XX/XX/XXXX OK XX/XX/XXXX OK XX/XX/XXXX extension XX/XX/XXXX OK ( correct ) XX/XX/XXXX OK ( correct ) XX/XX/XXXX OK ONTIME!! **XX/XX/XXXX ( credit report states late 30 days late should be OK ) paid {$500.00}XX/XX/XXXX XX/XX/XXXX extension ( credit report states late 30 days should be OK ) XX/XX/XXXX OK ( correct ) XX/XX/XXXX OK ( correct ) ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$970.00} for XXXX. and XXXX XXXX ) XXXX ONTIME!! ** XXXX XXXX ( 30 days late paid {$500.00} ) XXXX ONTIME!! ** XXXX XXXX ( 30 days late paid {$500.00} ) XXXX ONTIME!! ** XXXX XXXX ( 30 days late paid {$500.00} ) XXXX ONTIME!! ** XXXX XXXX ( 30 days late paid {$500.00} ) XXXX ONTIME!! ** XXXX XXXX ( 30 days late paid {$500.00} ) XXXX ONTIME!! ** XXXX XXXX ( 30 days late paid {$500.00} ) XXXX ONTIME!!
** XXXX XXXX EXTENSION GIVEN!! ( 30 days late per  XXXX credit report ) ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXX Per these figures and facts, there are 13 wrong 30 DAYS LATE per the credit report!! Only 7 of the '30 DAYS LATE are actually correct. 11 are incorrect by stating 30 days late!! Considering these mistakes, how many other mistakes do you think are made??
Per phone call these are the EXTENSIONS GIVEN : XXXX and XX/XX/XXXX XXXX and XX/XX/XXXX XXXX and XX/XX/XXXX XXXX and XX/XX/XXXX
Product: Debt collection

My name is XXXX ; XXXX XXXX The Agent for principle XXXX XXXX, and the agent for XXXX XXXX XXXX, a federally protected consumer, holder in due course, attorney in fact. XXXX XXXX and XXXX XXXX are attorneys at Gurstel Law Firm PC. XXXX XXXX and XXXX XXXX have taken it upon themselves to willfully violate my consumer rights that fall under the fair debt collection practices act. I am aware that it is FALSE AND MISLEADING for any attorney to attempt to collect any alleged debt, making this a violation under the fair debt collection practices act for any attorney to attempt to collect any debt. XXXX XXXX and XXXX XXXX have been aggressively attempting to collect from XXXX XXXX. XXXX XXXX and XXXX XXXX were sent a cease and desist letter, requesting they stop harassing and and mailing threaten letters to XXXX XXXX. The cease and desist was sent and received by XXXX XXXX and XXXX XXXX through the Consumer Financial Protection Bureau on XX/XX/2023 file number XXXX. Since then XXXX XXXX and XXXX XXXX has continued to willfully disregard the cease and desist letter. On XX/XX/2023 XXXX XXXX and XXXX XXXX mailed yet another false and misleading document to XXXX XXXX, pertaining to case number XXXX. XXXX XXXX and XXXX XXXX are now attempting to request a entry of default and a clerks judgement. These actions are false and misleading again for an attorney to commit when attempting to collect an alleged debt. Because dating back to XX/XX/2023 XXXX XXXX attempted to sue XXXX XXXX. A response was sent back to XXXX XXXX through the court denying all allegations and asking the plaintiff to prove the allegations in court. No response was given and no court date were given or missed. So for XXXX XXXX and XXXX XXXX to attempt to request a entry for default with no proof of any signs of court dates missed is again false and misleading actions from an attorney. XXXX XXXX has not caused any damages and if so, XXXX needs to be shown in a court of law.
Product: Credit card or prepaid card

Wells Fargo 's website has been down for a week. I have gotten this message every time I try to log in : We're sorry, our system is temporarily unavailable Our system is currently unavailable, and we apologize for any inconvenience. Please try again later or call us : For account questions, please use the phone directory to find the appropriate customer service number. 
To pay a bill : XXXX For assistance with brokerage accounts : XXXX To apply for an account : XXXX ( XXXX ) To find out more about Wells Fargo accounts and services, customer service options, and locations, please go to our homepage. 

I can not log in to view my charges. They will not give me an idea of when it will be fixed. This is particularly troubling because I can not log in to pay my bill, and I have had fraudulent charges on my bill in the last two weeks and I can not log in to ensure these charges were removed.