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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX XXXXXXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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

Experian is reporting a charged off account as a recently delinquent payment. The account was charged off in XX/XX/XXXX but is now showing current delinquent payments in 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and 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

XX/XX/XXXX - XX/XX/XXXX overnight my vehicle was damaged in the hailstorm and I immediately contacted my insurance company and filed a claim the next morning XX/XX/XXXX. 
XX/XX/XXXX the insurance company representative came and inspected the vehicle and then, afterwards, on the same date made a settlement offer since the cost of repairs exceeded the value of the vehicle. 
XX/XX/XXXX I called Bridgecrest and asked the Bridgecrest employee for the payoff quote amount and the employee verbally said that the payoff quote amount is {$4300.00} and sent me the email with the same {$4300.00} payoff quote amount. The payoff quote period was from XX/XX/XXXX - XX/XX/XXXX. I forwarded the same email with the same payoff quote amount to the Insurance company and on XX/XX/XXXX the insurance company immediately sent the check # XXXX for the {$4300.00} payoff quote amount directly to Bridgecrest to their XXXX AZ address. Bri

dgecrest received the check and did not apply the check to my loan account in a timely manner. And they did not update the account with the payoff check and did not report the account as paid in full to the Credit Bureaus.

I called Bridgecrest and asked what happened to the check and why have they not applied the payoff check to my account ; I did not receive an explanation but they transferred me from one unhelpful employee to another unhelpful employee. And my issue was not resolved. 
Bridgecrest did not report the account as paid in full to the Credit Bureaus and they reported my loan account as late payment and delinquent. XX/XX/XXXX I filed disputes with XXXX ; and filed disputes with XXXX and XXXX and they did not conduct a proper investigation and they did not update my credit reports/files to remove the late payment, delinquency, any derogatory information from my report ; and, did not show the Bridgecrest account as being PAID IN FULL/SATISFACTORY.
Product: Vehicle loan or lease

XXXX XXXX is charging me for a lien on a car that was registered to a sister of mine and that car was sold to a gentleman named XXXX XXXX which he never transferred his name but I have in my possession a bill of sale signed by him stating that he is taking over ownership so he parked it on the street tags expired and car got towed
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is mixed with my sister 's. I filed a report to request to remove my sister 's name, accounts, and addresses from my report. However, following their investigation, Experian has not implemented the changes. The Report Number of the dispute is XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Method of Validation and Account Verification In response to confirmation # XXXX Dear Equifax Dispute Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The confirmation # XXXX is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : 1. The method of validation used to verify the disputed account ( s ).

2. The contact information for the creditor or furnisher, including their name, address, and phone number.

3. A detailed explanation of how the account ( s ) was verified for accuracy and completeness.

4. The date, time, and who exactly verified this account 5. A detailed explanation of how the account ( s ) were verified for accuracy and completeness, particularly regarding : -Balance amount -Past-due amount -Account status -Charge-off amount -Date of 1st Delinquency -High Credit -Amount past due 6. Purchase contract The specific account ( s ) in question are as follows : XXXX XXXX XXXX XXXX # XXXX If the accounts can not be properly verified or validated, they must be deleted from my credit report promptly, as required by the FCRA. 


Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Thank you for your attention to this matter. I look forward to your prompt response. 


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

After submitting requests for a free credit report to the three relevant agencies, credit report services one and two, promptly answered back with current reports. However, equifax, refused to send siting more information needed even though the same information was provided for them as for the first two. After several attempts to provide what they needed, they continued to ask for more information - which we are loath to supply given they have had security breaches in the past and shouldn't require more or different information than the first two agencies.

Attached are partial summary sheets provided by the first two agencies to prove they should be able to provide the information that is rightly mine : the third and final credit report. Thank you for your prompt attention to this so that we may move forward in life. 
With Gratitude.
Product: Checking or savings account

I had deposited a {$10000.00} check into the account. So I had money in my account, the Bank of America put a hold on it. I had out that money in the account for bills that were coming out in the next few days. Those bills hit like normal and it put my account in overdraft because their hold on MY money. I deposited the money days before the bills were withdrawn. They charged me for two overdraft charges of {$35.00} each. If I have money in my account that would easily cover the amount of the bills, they should not charge me overdraft fees when it is their fault they were holding MY money. Im looking for a return of my {$70.00}.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Customer Financial Protection Act ( CFPA ). Specially, cash app failed to take timely and effective measures to prevent and address vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

This complaint relates to my Citi XXXX credit card number XXXX ; I paid Citibank interest upfront on a number of 'balance transfers ' on my account. These balance transfers then charge no further interest until the expiration date. Citi 's policy and a legal requirement is for payments on my account to be applied to the balance ( s ) with the highest interest rate first. This did not happen multiple times. Citibank applied my payments to balances with low interest rates, while there were balances with higher interest rates on the account. I then had to pay interest rates of over 24 % on balances which I had repaid because Citibank allocated my payments to balances with zero or low interest rates.
Product: Debt collection

Phone opperator from Spire Recovery Solutions callee this morning while I was out and called the person that answered a lier. Instead of calling them back I reviewed the account online to avoid talking with that person again.
Product: Debt collection

I have been calling this debtor directly and disputing the account individually for some time. They agreed that the debt was a result of identity theft but only removed it from XXXX.
Product: Mortgage

My husband called company, PHH Mortgage, on XX/XX/2019 to get payoff amount & paperwork to take the lien off of our home through the home equity line. That person said they would mail all the paper work & such within the next week. In the meantime, we received our regular monthly bill which had our pay off amount listed @ {$600.00}. I paid them {$600.00} on XX/XX/2019. For some unknown reason that payment was placed in " suspension '' for 1 month. On XX/XX/2019, I spoke with XXXX who stated she would take care of the problem & she did not know why the payment was placed in suspension. On XX/XX/2019, my husband spoke to XXXX, who said paperwork releasing the lien & signing off the loan had been faxed to us. However we do not have a fax so we know that was impossible. We told XXXX the payoff date would be no later than XX/XX/19. On XX/XX/2019, my husband spoke to XXXX for 20 minutes & got no resolution so he was transferred to a manager,  XXXX, who said he would investigate & call my husband XX/XX/19. Never called. In the meantime, we " accrued '' an additional {$3.00} in " finance charges ''. I have NEVER had to work so hard to give a finance company money!! From XX/XX/XXXX until XX/XX/XXXX, & we still haven't received lien release or confirmation of additional {$3.00} we paid due to their delay!
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy of the information on my credit reports provided by XXXX, XXXX, and Equifax. After reviewing the reports, I have identified several inconsistencies that I believe require immediate attention and correction. I kindly request that you investigate and rectify the inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). 

Account Details : XXXX XXXX XXXX Account # : XXXX Account Type : Installment Account Type - Detail : XXXX XXXX XXXX XXXX : Individual Account Status : Paid Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$12.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Late 120 Days Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Inaccuracies and Potential FCRA Violations : FCRA Section 605 ( a ) ( 2 ) - Reporting Accurate High Credit Amount : The reported " High Credit '' of {$12.00} is inaccurate for an account with a " No. of Months ( terms ) '' of XXXX. This may be a violation of FCRA Section 605 ( a ) ( 2 ), which requires credit reporting agencies to provide accurate information, including the highest amount ever charged to the account. 

FCRA Section 623 ( a ) ( 2 ) - Reporting Accurate Account Status : The account is reported as " Late 120 Days '' by Experian, but there is no information from TransUnion or Equifax regarding the account status. This inconsistency may violate FCRA Section 623 ( a ) ( 2 ), which requires accurate and complete reporting of account status.

FCRA Section 605 ( a ) ( 5 ) - Reporting Accurate Payment History : The reported " Payment Status '' as " Late 120 Days '' is not consistent with the " Date of Last Payment '' reported as " XX/XX/XXXX. '' This discrepancy may be a violation of FCRA Section 605 ( a ) ( 5 ), which mandates accurate and complete reporting of consumers ' payment history. 

I request that you conduct a thorough investigation into these discrepancies and take the necessary actions to remove the inaccuracies from my credit reports. As per the FCRA, please provide me with written confirmation of the corrections made. 

Enclosed with this letter are copies of supporting documents that validate my claims. I trust that XXXX, XXXX, and Equifax will fulfill their obligations under the FCRA to ensure accurate and fair reporting of consumer credit information. 

Thank you for your attention to this matter. I anticipate a swift resolution and the removal of the inaccuracies from my credit reports. 

Sincerely,
Product: Student loan

Unable to set up autopay with Mohela after they transitioned my account to their new platform in XX/XX/XXXX. I previously had autopay before they transitioned my account to their new platform, my autopay status should have carried over but it did not ( per their website- automatic payments should have continued when my account transitioned to their new platform since I was already enrolled in autodebit ). Since XXXX, I have spent many hours on the phone trying to reconcile the issue and enroll in autopay without success. I have attempted to add my account information to re-enroll in autopay 3 times ( XXXX XXXX XXXX XXXX XXXX ( after speaking to a supervisor who said I needed to reapply ), and XX/XX/XXXX, XXXX manually via paper with PDF submission online ( after speaking to another supervisor who told me to reapply via paper application ). Despite XXXX attempts to re-enroll in autopay + XXXX supervisor phone calls at Mohela ( and many more regular agents ), this issue continues to go unresolved. The last supervisor I spoke with on XX/XX/XXXX said that " there are multiple closed cases related to this issue on my file and they are listed as closed and unresolved '' - meaning no further action is taking place to resolve this problem. Since my account requires manual payment each month, I have now missed out on the 0.25 % interest rate discount for nearly 6 months. I have $ XXXX of student loans and have been paying without the autopay discount for 6 months- this is a lot of money that I have lost and continues to compound each month that they delay taking action to help me.
Product: Vehicle loan or lease

The truck I finance through credit acceptance, was a complete lemon, the transmission and motor went out the first four months.
Product: Mortgage

My mortgage payment of 3 months under the forbearance program had been deferred and I am in current for the payment. But, I learned that the mortgage company, Cornerstone, placed the aforementioned deferred amount as the second principal, which it has to be paid off once the initial principal is paid off. 

I contacted with Cornerstone since I thought the loan maturity date would be extended for three months more instead to add the deferred amount as the another principal and also that the deferred amount is combine of principal and interest so the whole amount can not be considered as a principal. However, a customer service represent and a loan specialist from Cornerstone said that there is no maturity date change in my loan policy and I have to pay off as a lum sum of the deferred payment once the initial principal is paid off when the loan maturity date comes or if I sell the property before the maturity date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Person or Persons are applying for Credit cards using my personal information. I have not applied for any credit cards in over 5 years, but I am receiving a card in the mail that was approved, along with another mail from a different institution saying my application was not approved.
Product: Debt collection

I have requested this information 3 times now and will not send the information. Even when requested they added it to my credit report. When they said they would not communicate for when looking for the information they still texted to collect the debt. 

XXXX. License to collect in TX XXXX. Payment History XXXX. Judgement obtained towards this debt XXXX. The chain of custody for this debt XXXX. The purchase agreement between you and the original creditor
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES INNOVIS, HAS VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have attached my Identity Theft Report again for a 2nd time. The addresses associated with these accounts are also not valid addresses. They have continued to report this information and have also been verifying this fraudulent information with XXXX, who have then been sharing this information with XXXX, XXXX and XXXX. There is a long chain of passing around fraudulent information attached to my name. I asked how Innovius has been verifying this fruadelnt information and to send me the original contract and they have not gotten back to me in over 60 days. I am demanding that they remove the information from my consumer report. I have attached my Identification as well as my address verification so there is no stall letters stating they can not identify me.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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.

FCRA section 605 ( a ) ( 5 ) generally prohibits the reporting of any adverse item of information... which antedates the report by more than seven years.
Product: Credit reporting or other personal consumer reports

There is a hard inquiry on my report from Bank of America as of XX/XX/15. I contacted the company directly and they informed me that they do not see an inquiry. I contacted XXXX and they advised I would need to contact Bank of America to have it removed. I did not make an inquiry for credit or any other service from Bank of America. This inquiry is violating my right to accurate reporting.
Product: Mortgage

Newrez/Shellpoint has a loss draft escrow account for my property for an insurance repair. The repair is recently completed and all documents needed for the final disbursement from this account were submitted and acknowledged by them on XX/XX/XXXX. I've made multiple calls inquiring as to the status of the disbursement and the funds have not been released as of XX/XX/XXXX. Customer service states that they can not have someone contact me, can not expedite the process, and their process is to submit the request to the back office, whereby I have to wait and call back and check the status in XXXX business days. Subsequent calls after XXXX days result in repeat of previous ( submit a request, call back in XXXX   days ) which results in no action. Multiple times have been told by customer service that the request has been submitted to release the remaining repair escrow funds. Call with customer service on XX/XX/XXXX stated that Newrez/Shellpoint would send the check out within XXXX hours and to call back for the status. Call on XX/XX/XXXX Newrez/Shellpoint stated that the check was not sent out, I requested that it be sent out that day and overnighted, company said to call back the next day for the tracking number. Call today ( XX/XX/XXXX ) customer rep says that check has not been sent out and is still being processed. 

Multiple calls to try to resolve this : XX/XX/XXXX, XXXX XXXX Each time Newrez/Shellpoint indicates a check will be issued, but fails to do so. At this point due to their delays I run the risk of financial penalties due to the delayed release of funds from the escrow account. It is now XXXX weeks after they have received the paperwork needed for them to process the disbursement.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiry/inquiries on my credit report. I recently retrieved my credit report and it showed inquiries that I have no knowledge of ever authorizing.
Product: Credit reporting or other personal consumer reports

I've recently checked my credit report and noticed incorrect/unauthorized information reporting.
Product: Debt collection

They keep calling my personal line and there calling my job kind of like harrasing they keep calling especially a girl named XXXX. They are trying to collect a debt from 13 years ago. Without giving me any information about what the debt is