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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX. 
Account Number : XXXX Account Name : XXXX  XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX - XXXX XXXX  XX/XX/2022 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which statesthat continued reports of the unverified information without any proof provided, within thetime allowed by law, is not authorized. The account listed below is still reporting on myCredit Reports and needs to be CORRECTED immediately XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my free credit reports and the addresses being reported is wrong. Completely wrong and this needs to be removed. Equifax, XXXX and XXXX are reporting addresses where I've never lived and are not my current or former addresses. This gives me concern because I don't want any fraud or information that's not mine on my credit reports. I have tried to dispute this inaccurate information with the credit bureaus on XX/XX/2020, XX/XX/2020 and XX/XX/2020 but they won't remove the inaccurate addresses which is terrible. Please help. I attached my photo ID and credit report screenshots for you to see the errors I'm talking about.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am uploading a letter from XXXX XXXXk in regards to the XXXX account reporting on my credit reports. I have been disputing this account that it does not belong on my credit reports. The investigation was completed and shows proof the account is to be removed
Product: Credit card

Subject : Notice of Default Claim and Violation Report To Whom It May Concern, I am writing to file a complaint against The Bank of New York Mellon for their failure to perform and credit my accounts following the submission of a Notice of Redemption for a bundle of four securities on XX/XX/2024. 

Details of the Violation : - Date of Notice of Redemption : XX/XX/2024 - Date of Securities Arrival ( per tracking information ) : XX/XX/2024 - Violation : Failure to credit the accounts and perform the redemption as per the submitted notice. 

According to the First Tier of the Consumer Financial Protection Bureau ( CFPB ) regulations, The Bank of New York Mellon is hereby notified that they shall forfeit and pay a civil penalty of not more than {$5000.00} for each day during which the violation continues. The violation in question pertains to the failure to perform and credit the accounts as instructed in the Notice of Redemption. 

This Notice of Default Claim is issued to provide The Bank of New York Mellon with an opportunity to rectify the violation promptly. I emphasize that failure to address and remedy the aforementioned violation within the specified timeframe will result in escalated actions, including further penalties in accordance with the Second Tier of CFPB regulations. 

I am aware that XXXX XXXX serves as the Indenture Trustee, responsible for overseeing these transactions. Therefore, I am formally requesting that XXXX XXXX, in her capacity as the Indenture Trustee, credit the accounts correctly as outlined in The Bank of New York Mellon 's responsibilities towards the redemption of each holder 's securities. 

Enclosed, please find the relevant documentation, including the Notice of Redemption and tracking information for your reference. 

I appreciate the Consumer Financial Protection Bureau 's attention to this matter and trust that the necessary steps will be taken to address and rectify this violation promptly. 

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

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

XXXX XXXX XXXX, Personal Representative of The Estate Of XXXX XXXX XXXX Case no XXXX Loan # XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX, As Trustee, Successor In Interest To XXXX XXXX XXXX XXXX XXXX, As Trustee, Successor By Merger To XXXX XXXX XXXX XXXX, As Trustee For XXXX XXXX XXXX XXXX I Trust XXXX, Asset-Backed Certificates, Series. and SLS Specialized Loan Servicing LLC RE : Estate of XXXX XXXX/ Deceased Please receive this written correspondence as a complaint and as a pleas for assistance to save my home. 

My mortgage servicing company Specialized Loan Servicing LLC neglected to decision my application for home modification assistance even though I have fulfilled all the underwriter request by sending a full XXXX multiple times. The first packet I sent was in XXXX 2015, receiving an verbal acknowledgment from the underwriter that all required documents were received, therefore I would have a decision within 30days. well a decision never arrived. The only documents I received were letters stating my home was going to foreclosure. 

Of course upon receiving a threatening letters rather than the promising one I was expecting. I decide to call SLS to check on the status of my loan. I was informed that my loan was assigned to different underwriter who now is in need of a XXXX application for loan modification assistance. I of course complied with there request and sent in another application in XXXX 2015 and just as the last time I followed up with SLS to confirm there was nothing else required. To my surprise my loan was not assigned to a different underwriter. At This point in my dealing with SLS I Can only assume the company and their staff is either incompetent at best or their in the business practice of intentionally neglecting to assist me with foreclosure alternative in oder to reap the benefits of foreclosing on my home therefore stripping the equity from another XXXX XXXX Family in a already gentrified community. 

As a Government agency established to protect consumers such as myself I am requesting immediate assistance with my loan modification process as well as holding all foreclosure proceedings. 

Thank you all in this important matter XXXX XXXX XXXX, Personal Representative of the Estate of XXXX XXXX XXXX
Product: Student loan

I requested to pay via the new SAVE plan. Aidvantage is not following through on approval of my application. 

They sent me notice that they removed me from IDR for some reason. I am still trying to figure that one out. I did not request to leave IDR. I requested to sign up for SAVE. 

They charged my old payment amount to me in XXXX of XXXX, which I paid. 

I applied for SAVE on studentloans.gov and the application page says it has been approved by my servicer for just shy of {$510.00} per month, not the {$710.00} they charged me. 

In addition to this, they do not show any balance for the next month 's payment. Their website explains that this is due to the fact that I'm signed up for autopay. There is nowhere else on the website where I am able to view payment amounts due. 

I am trying to get a mortgage and need proof of the lower amount, which Aidvantage never sent to me. 

They never sent me the notice of the reduced payment amount, even though DoE is telling me they've approved it and should send me a notice. They still have {$710.00} autopay amount. 

I am attaching the notices which I did receive, along with screenshots from the official student aid website.
Product: Debt collection

I filed a complaint with the FTC on XX/XX/2023 since the credit bureaus are using my personal information which is negatively impacting me and preventing me from purchasing a home for my family. The credit bureaus is using and selling my personal information and it is against the law for them to have these damaging information on my credit report. I am requesting that this is review and rectified under law 15 USC 1681. Please help me with getting these derogatory items off my credit report. Thank You
Product: Credit card or prepaid card

On XX/XX/XXXX I discovered {$630.00} of fraud charges on my credit card and contacted my credit card Fifth Third Bank. They closed that credit card and issued a new credit card. 

XX/XX/XXXX I received a letter from Fifth Third Bank Dispute Resolution XXXX XXXX XXXX XXXX, GA XXXX stating they have initiated an investigation and have requested information from the merchant and I would be notified when matter resolved. 

I was never contacted and called them at XXXX on XX/XX/XXXX, XX/XX/XXXX ( was told it would be corrected in 2 days ) called back in 2 days on XX/XX/XXXX not resolved. Told to call back in 3 days. Called on XXXX resolved and would not give me details of dispute. Called again on XX/XX/XXXX, XX/XX/XXXX. I can not get answers and informed Fifth Third they have exceeded the allowed 60 days. 

on XX/XX/XXXX, {$630.00} of fraud charges that were transferred to new credit card were credited then they put {$550.00} of the fraud charges on the old credit card. I called them and they stated they closed the previous case due to time restraints and opened a new case. WHAT-is that legal! I have read the Fair Credit Act law and it clearly stated they have 60 days to resolve. 

XX/XX/XXXX, I called them with no return call. it has been almost 90 days and no resolution and they have been very rude. Fifth Third customer service is horrible. 

Is this how they valued a 25 years+ customer!
Product: Checking or savings account

Direct deposit from my employer is not available in my Capital One account. This is an issue as bills have been set to be deducted from the account, but these are also not coming out as scheduled. Capital One claims an outage, but assured it would be fixed by XXXX XXXXXX/XX/year> ; however, now they say they are not sure when it will be resolved.
Product: Mortgage

Everything was fine up till closing, our lender BECU reported everything was " on schedule '' or even " ahead of schedule '', but missed the final disclosure deadline of 3 days before closing. At XXXX the day before closing, BECU contacted us requested a 15 day slide as they could not meet the agreed to date. After rescheduling utilities where possible, canceling family travel plans, and spending the intended closing day calling around BECU, final disclosure was agreed to be completed 8 days delinquent instead of XXXX and our appraisal fee would be reimbursed. 

The new final disclosure date was met, however the final disclosure documentation featured a significant increase in closing costs ( 33 % increase ) and cash at closing ( 39 % ) due to an error on BECU 's part ( for initial estimates they used 2 months for school taxes escrow, on final disclosure they used XXXX months, a {$5000.00} difference ). Since we are only 3 days from our new closing date, there is implicit pressure to accept these XXXX and so far all phone calls to management/emails to our officer have not been returned or acknowledged our concern.
Product: Credit reporting or other personal consumer reports

I reviewing my cosurmer reporting credit I discover some instances of late payment on my account for XXXX I have always maintained on timely payment consumer roporting agencies play a crucial role in accurately reporting consumer information I demand those late payment removed them from my account please thank you
Product: Credit card

Subject : Reconsideration Request Regarding Credit Card Closure Dear Bank of America, I hope this letter finds you well. My name is XXXX XXXX, and I am writing to address a matter of concern regarding the recent closure of my credit card account with the account number XXXX XXXX XXXX XXXX. 

I am bringing to your attention that the Equal Credit Opportunity Act ( ECOA ) prohibits discrimination in the extension of credit. I believe that the closure of my credit card account and the denial of access to my credit may be perceived as discriminatory.

I kindly request that you reconsider your decision in this matter, taking into account the principles outlined in the ECOA. I value my relationship with Bank of America and believe that resolving this situation amicably would be in the best interest of both parties.

Please review my account information with the details provided below : Account Number : XXXX XXXX XXXX XXXX Social Security Number : XXXX I hope for a prompt and positive resolution to this matter. Your reconsideration would not only be a courtesy to me but also a demonstration of your commitment to fair and equitable credit practices.

Thank you for your attention to this issue, and I look forward to hearing from you soon. 

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

I recently sent a dispute on XX/XX/XXXX for a charge off / collection account from XXXX showing on my credit report & an additional XXXX account with 1 30 day late payment reporting. 

As a result of this dispute, 2 positive lines that were not disputed has been removed. Was my investigation properly done? 
I am showing all accounts from XXXX have the same account number, but different histories. 

The accounts that were deleted and not disputed by me were a {$1000.00} unsecured loan opened XX/XX/XXXX, & another {$1200.00} unsecured loan opened XX/XX/XXXX. 
The actual accounts disputed were a {$1200.00} unsecured loan opened XX/XX/XXXX & {$500.00} account ( they arent even reporting what type of account, ) opened XX/XX/XXXX. 
All of these accounts share the account number XXXX. It is clear the the investigation done by the CRAs and XXXX was not done properly. 

How can something like this happen? I directly disputed negative information I believe is inaccurate, and my positive lines were deleted as a result. These positive lines were accounts that were not even included in my dispute letter. This investigation was clearly not done properly. 

In addition, I am showing said negative accounts are showing as " Account Not Disputed '' based on your most recent reporting as a credit bureau despite my previous attempt on XX/XX/XXXX to verify. 

This is this a MAJOR violation in reporting according to the FCRA and consumer rights of accurate reporting to my credit report. 
As a result of the negligence of your investigation not being done properly & the proper attempt I have made to ensure my information is being accurately reported, please delete these inaccurate negative accounts immediately as you have violated my rights & the Fair Credit Reporting Act.
Product: Vehicle loan or lease

I am writing to file a complaint against Chase Auto regarding an issue with my account. Since XX/XX/2024, Chase has been contacting me, claiming that my account is past due, which is incorrect. I have consistently paid my note on time every month. However, when I recently attempted to pay my bill online, I found that my account was locked. 

Upon contacting Chase Auto, they have failed to provide accurate information about my account. This month, they charged me a late fee for the first time and informed me that if I did not pay the outstanding balance by the end of the month, my account would be considered delinquent. I have never made a late payment and strongly believe the {$3000.00} they claim I owe is due to an error. A representative mentioned that it might be a system glitch, yet no one has resolved the issue. 

I am reaching out to you for assistance because all my statements since XX/XX/2024 show a {$0.00} past due amount and confirm that my payments have been posted. I need your help to correct this error and prevent any further unwarranted actions on my account. The account summary provided by Chase Auto, does not even match the monthly statements sent.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I requested my personal file from XXXX and I could not get verified in order to review my personal file. I had to wait for 2 weeks just to receive a letter that they are unable to verify my identity. Over the next few months I continued to request my personal file without success. On XX/XX/XXXX, I requested my credit report from Equifax. I received my report immediately online. After looking over my report I discovered 9 un-mailable addresses that were being reported. On XX/XX/XXXX, I called Equifax disputed the 9 inaccurate addresses on my credit report and I requested them to remove the addresses. Equifax initiated my dispute and started an investigation into the matter. I informed them that reporting inaccurate information in my credit report is a violation of the Privacy Act of 1974. 
On XX/XX/XXXX, I received the results of their investigation. Equifax has determined that the XXXX addresses in dispute were inaccurate and they have deleted all 9 of the inaccurate address from my credit report. 
On XX/XX/XXXX, I have requested my XXXX personal file and I was able to verify my identity and they have mailed me a pin to review my personal file online. Not having access to my XXXX report has cost me a lot of money because I don't know what information it contains but my insurance rates continue to rise despite my driving habits staying the same. I have XXXX tickets and XXXX accidents. I believe the fact that Equifax was reporting inaccurate information in my credit report it was preventing me from receiving my XXXX report. Reporting inaccurate information on my credit report is a violation of the Privacy Act of 1974.

In violation of 15 USC 1681, Equifax reported 9 inaccurate addresses in my credit report to XXXX on at least 1 occassion on XX/XX/XXXX. Per 15 USC 1681n Equifax is liable to pay damages for each inaccurate address reported or 9 times not less than {$100.00} each to a maximum of {$1000.00} for each inaccurate address reported. My insurance rates have more than doubled in one year for no reason caused by myself. I believe this has caused me financial damages, my rates are higher and I couldnt see whats in my XXXX report until the inaccurate information was removed. My credit report should not be shared with XXXX in the first place as I never gave Equifax permission to share my personal information with anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 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 ; 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
Product: Credit reporting

See Details, Rates & Fees Personal Information Names Reported XXXX XXXX See something wrong? 
Find out how to update personal information. 



See Details, Rates & Fees Personal Information Names Reported XXXX XXXX See something wrong? 
Find out how to update personal information. 








See Details, Rates & Fees Personal Information Names Reported XXXX XXXX See something wrong? 
Find out how to update personal information. 







Addresses Reported below have no affiliation with my personal. info. I never lived at the address below. 
Please, investigate and correct Thank you XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The XXXX XXXX XXXX XXXX  XXXX credit card account : XXXX is lost/stolen, and all of the charges/transactions are fraudulent and unauthorized. The following hard inquiries are fraudulent and unauthorized : XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX.
Product: Debt collection

I have asked what was my original creditor they will not tell me. They just tell me the amount I owe. It says I owe {$1300.00}, but I paid an amount of it  in 2016. I f I do not know which creditor it was before LVNV Funding LLC than how do I know it is a real debt collector I owe?
Product: Debt collection

I sent off certified mail with return receipt to WELTMAN, WEINBERG & REIS CO., L.P.A on the 1st of this month and have not received the return slip in the mail yet. This is pertaining to an attempt to collect a debt for XXXXXXXX XXXX XXXX by Weltman, Weinberg , Reis Co., L.P.A.