23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Starting on XX/XX/XXXX I was hospitalize Until XXXX XXXX. During this time my wife filed for a forbearance on our morgage.With XXXX XXXX our lender.Starting on XX/XX/XXXX for XXXX months payments of {$840.00}. Then we were informed that XXXX XXXX transferred to Select portfolio ServicinXXXX XXXX.We have been trying to work with the new lender to get the XXXX months forbearance payments added to the end of our loan. On XX/XX/XXXX we started making our payments again and have made all our payments on time until current date.We have sent all the paper work in to have this amount added to the end of our loan but they keep sending us letters they need more imformation.we have sent the same information now at least XXXX or XXXX times.. they have sent us letters saying they have all the information then XXXX days latter say they need more of the same things we have sent ... this has went on for XXXX months..still hasn't been resolved... XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under: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. 

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

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : 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
Product: Credit reporting or other personal consumer reports

in XXXXXXXX  i had a charge off account from a local credit union called XXXX XXXX XXXX. In XXXX i got a local loan and paid off that as well as other loans to fix my credit, everything dropped off my credit and it bumped up to XXXX. End of last year, XXXX, my credit only through experian dropped XXXX points, i called them and they told me i had a charge off account with XXXX XXXX XXXX that was reporting late to them every month. i asked them to give me more information because my that account shouldnt exist any more, it had been taken care of in XXXX. They told me they did not have any more information and couldnt see anything other than i owed late payments and to just call the bank so i called XXXX XXXX XXXX, they said they see that there used to be an account but they have not been sending experian late payment notifications because that wouldnt make any sense as the account is closed. 

every month or so my credit drops XXXX points, experian REFUSES to give me any information, XXXX credit union also refuses to give me any information, they say there is no possible way either of them is doing anything wrong but neither of them will communicate with each other to figure out the problem. 

im unsure what to do, my credit is tanking and no one will help me, this is an old XXXX $ account from years and years ago that was taken care of many many years ago, and im essentially being ignored.
Product: Debt collection

This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$2900.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt. Furthermore, Rent Recovery Solutions License # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA does not have a license, bond, nor certificate of authority to collect in the state of Arizona.
Product: Money transfers

I sent money to my mother 's account, from XXXX to XXXX, and she never received it. This happened more than 2 months ago and Citi Bank still " ca n't find my money '' and is not giving my money back.
Product: Credit reporting or other personal consumer reports

TO TRANSUNION, I recently went through my credit report and I observed a lot of inaccuracies and unauthorized reports on my profile. In accordance with the Fair Credit Reporting Act, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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.

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 THE ACCOUNTS LISTED HERE HAVE VIOLATED MY CONSUMER RIGHTS AND I NEED IT OFF MY REPORT EFFECTIVELY. 

Account name XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX BANK Account number XXXX Account name XXXX XXXX Account number XXXX By law, consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a " respect for the consumers right to privacy ''. 
PLEASE SEND ME A COPY OF MY UPDATED REPORT TO VERIFY AND CONCLUDE THAT MY CONSUMER RIGHT TO PRIVACY IS RESPECTED AND CONTINUES TO BE PROTECTED.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  's client  XXXX   XXXX  is an identity theft victim. Several fraudulent applications for credit cards were submitted to various credit providers with his information without his consent. We have attempted to dispute the fraudulent inquiries from his credit report however  XXXX  has proven difficult and is currently in violation of federal consumer law and his rights.  Capital One  has been notified twice in writing of the fraudulent application and inquiry made into  XXXX   XXXX  's credit however Capital One is now advising they will not remove the inquiry even though a police report naming Capital One was provided to them. In addition  Capital One  has sent information to our client explaining to they searched their records for an account number and found no such information, when our dispute criteria clearly listed we were disputing an inquiry not an account.
Product: Credit card

I opened a amazon credit card in XXXX and paid above the balance in full or above the required minimum and was never late with my payments. I received a letter on Saturday XX/XX/XXXX at XXXX XXXX stating that due to credit reports they are lowering my available credit by {$270.00}. This seemed odd to me and I reached out to the company for a further explanation, after dealing with incredibly rude smug customer service representatives they were unable or unwilling to provide any answers that I had and suggested that I review the agreement. So I did and I was able to figure out that they were able to justify a rate increase due to their own lowering of my available credit because of a credit reporting agency that i have never heard of and is reporting a significantly lower credit score than the other credit reporting agencies. I have had a decrease in credit usage and my income has increased in the past 6 months so it's extremely confusing how they can justify the decrease in credit, other than unchecked corporate greed of course.This seems extremely unethical at the very least and possibly illegal. This is extremely frustrating during the holidays and seems heartless.
Product: Debt collection

I felt forced and coerced into entering this agreement with XXXX XXXX During the presentation, they always sold it as only good for today deal. My sales representative would state that we would be cheating ourselves out of great vacations and not giving our children the opportunity to own and enjoy at no charge. This is not true, as these vacations cost much more than if we were to book outside of it. There are additional fees for almost everything, and the maintenance fees and taxes increase each year. They made renting or selling sound so much simpler than it is. They even stated that if at any point I did not want it, I could just sell it back. No one is looking to purchase this property, as it has no value. At the presentation, I certainly felt as though I understood the contract, but I had to find out later down the line all the facts of it and what was never mentioned to me by the salesman who was representing XXXX XXXX timeshares. Had everyone been honest about what was written on there, my decision would have been much different, and I would not be in the predicament I am today. I have reached out to XXXX XXXX about my desire for cancellation and the hardships this has brought upon me. I am addressing XXXX XXXX through a series of complaints. 

XXXX XXXX has since sent my account to a collection agency, Aspen. At no point did I agree to work with Aspen and I have no intention of involving myself with Aspen, especially not for a misrepresented contract. They are trying to collect money for a company that mishandles its members. I sent a cease and desist to Aspen, but they keep impacting my credit.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX XXXX, am filing this formal dispute regarding the inaccurate information reported by Experian, which resulted in the denial of my rental application at The Haven on XX/XX/year>. 

In addition to the inaccuracies in the tenant screening report, I am raising an urgent issue related to Experians failure to properly mark several disputed accounts as in dispute on my credit report, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). This failure has caused unjust harm, including the denial of housing.

Key Issues and Violations : 1. Failure to Mark Accounts as In Dispute : I have filed multiple disputes with Experian regarding the collection from an apartment community and certain
charge-offs. Despite these disputes, Experian failed to comply with the FCRA requirement under 15 U.S.C. 1681i ( a ) ( 2 ), which mandates that credit bureaus must mark disputed information as in dispute in a timely manner. The failure to include this required notation has resulted in adverse actions taken against me, including the denial of my rental application.

2. Experians Violation of the FCRA : Experians failure to include the required dispute notation on my credit file is a violation of the FCRA, specifically under 15 U.S.C. 1681s-2 ( a ) ( 3 ), which requires that disputed information be clearly marked and noted on the consumers file. By failing to do so, Experian has allowed the inaccurate and disputed information to be used by third parties ( such as XXXX, XXXX ) in evaluating my creditworthiness, leading to significant harm. 
3. Inaccurate Collection from an Apartment Community : The tenant screening report referenced a collection from an apartment community, which is inaccurate and should have been removed from my credit report. This collection is currently in dispute, and the lack of proper notation further demonstrates Experians mishandling of my case.

4. Incorrect Charge-Offs : The charge-offs reported in my credit file are also inaccurate. These accounts have been formally disputed with Experian, and the failure to address these disputes or mark them appropriately as in dispute has allowed this erroneous information to negatively affect my rental application.

5. Harm and Adverse Action : As a direct result of Experians failure to comply with the FCRA, I have been denied housing at The Haven and suffered damage to my creditworthiness. This harm could have been avoided if Experian had properly handled my disputes and updated my credit file accordingly. 
Attachments : Adverse Action Letter from The Haven dated XX/XX/year> Previous disputes submitted to Experian Documentation supporting the inaccuracies of the collection and charge-offs Proof of failure to add dispute notation to accounts in credit report
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXXXXXX XXXX XXXXXXXX XXXX and Credit Reporting Agencies ( CRAs ) Experian, XXXX and XXXX for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these entities have breached the following federal laws : 15 USC 1681b ( 2 ) : Unauthorized access to my credit report. 15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information. 15 USC 1681b ( 3 ) : Improper use of consumer reports for adverse actions without proper notification. 15 USC 1681a ( d ) 2 ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. Additionally, credit scoring models like XXXX and XXXX are proprietary tools and algorithms used by lenders to assess creditworthiness and determine credit terms, but they are not factors outlined in the consumer report or governed by federal consumer protection laws, which take precedence over individual bank guidelines. I rely on the CFPB to enforce federal consumer protection laws and regulations ensuring the credit reporting practices, including those used by lenders adhere to established guidelines and do not override the protections afforded to consumers under federal law. ACCT # XXXX
Product: Credit card

Dear CFPB, I am writing to file a complaint against Capital One regarding their continued failure to update or remove an incorrect email address associated with my account. This email address is particularly concerning because it belongs to a company I no longer work for, and it is still actively monitored by other individuals due to my former position within that company. As a result, any emails sent to that address are forwarded to other personnel, compromising the privacy and security of my sensitive financial information. 

I initially notified Capital One of this issue on XX/XX/year>, and I have made several follow-up calls on XX/XX/year>, XX/XX/year>, and most recently on XX/XX/year>. On XX/XX/year>, and XX/XX/year>, I spoke with supervisors who escalated the matter to the technical team, but the issue remains unresolved. On XX/XX/year>, the XXXX Department verified that there are no old accounts tied to the outdated email address, which was initially given as the reason for being unable to remove it. Despite this, I am still receiving account-related emails to the compromised address, including today, after my latest attempt to resolve the issue. 

Given that I hold XXXX credit cards and an XXXX  loan with Capital One, the continued use of an email address that is no longer under my control raises serious concerns about the protection of my personal and financial information. This situation may constitute a violation of privacy laws, including the Gramm-Leach-Bliley Act ( GLBA ) and Fair Credit Reporting Act ( FCRA ). 

I respectfully request that the CFPB investigates this matter to ensure that Capital One resolves the issue promptly and protects my information as required by law. 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

My XXXX XXXX XXXX was repossessed by credit acceptance on XX/XX/XXXX without notifying me in writing that my vehicle was at risk. I was not notified through the customer portal or via email as well. I have asked that the repossesion fee of {$320.00} be waived or proof of this notification be provided to me. I have been informed that the fee of {$320.00} will not be waived and that no such records will be provided to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$400.00}.
Product: Credit card or prepaid card

On the XX/XX/2018, I received a text message on my phone that someone had been used my credit card to purchase something at XXXX XXXX with amount of {$3900.00}. I declined already but XXXX XXXX still took my money out. I reported to the XXXX XXXX to do the investigate but they won't give back my money. 

XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Amount charges : {$3900.00} Last 4 digit SSN : XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized inquiry by XXXX XXXX XXXX XXXX on my credit report. Experian XX/XX/2023
Product: Mortgage

XXXX XXXX is facing a financial hardship. He has reached out to his servicer BSI for assistance to retain his home. BSI has stated that they will not assist XXXX XXXX because they are stating he has insufficient income and excessive obligations per the decline letter sent in XXXX 2015. XXXX XXXX has the home and a small car payment of XXXX monthly ; no further obligations. He is delinquent on his mortgage in the estimated amount of {$59000.00} without attorney 's fees and cost. He became delinquent due to his wife becoming XXXX. She was no longer able to work and there were excessive XXXX bills along with a curtailment of income. 
BSI then stated via email XXXX 2015 that the home has equity in the amount of {$100000.00} as XXXX is showing the value of the home around {$330000.00}. BSI failed to provide an actual figure which they should have on hand as they had just reviewed the home for modification. A BPO should have been on done and provided. BSI stated that the " current payoff not including fees and costs is approximately {$230000.00}. '' XXXX is failing to acknowledge the provable hardship and using incarnate information. The homeowner has NO equity in the home as he is behind since 2012 in the amount of XXXX without the attorney fees and costs. A short sale would not benefit XXXX XXXX. The value of the home ( see attached ) per the property profile that we paid to pull XXXX unlike XXXX which is free and more often than not inaccurate ) stated the property value of the home at XXXX. THERE IS CLEARLY CONFLICTING INFORMATION. 
XXXX XXXX feels that BSI is discriminating against him based on his Race, ethnicity, language, and national origin. There is no tangible reason for BSI to refuse to assist him. To clarify, they stated XXXX reason to deny him in writing and then stating another via email. XXXX XXXX is not against asserting his legal right in district court and will name BSI as well as XXXX XXXX and XXXX XXXX XXXX as defendants.
Product: Mortgage

XX/XX/XXXX received a statement from our lender showing a missed payment of {$2000.00} and a year of late fees in the amount of {$1600.00} Lender never informed us what payment was missed. 
XX/XX/XXXX sent letter to lender with bank statements to show no missing or late payments from XX/XX/XXXX thru XX/XX/XXXX XX/XX/XXXX received letter they would review the account XX/XX/XXXX received letter maintaining that we had missed a payment along with an account activity report that show that the first time a late fee was charged was XX/XX/XXXX XX/XX/XXXX received a letter informing us that they were transferring the loan to another lender XX/XX/XXXX sent correspondence to new lender along with bank statements XX/XX/XXXX received letter they would review the account XX/XX/XXXX received letter from new lender stating the old lenders payment history showed a missed payment XX/XX/XXXX received statement that showed payment due {$2000.00} a passed payment of {$2000.00} and total fees & charges {$3400.00} totaling {$7500.00} It appears that they are not looking at our documentation that clearly shows no missed payments
Product: Credit reporting, credit repair services, or other personal consumer reports

On my reports there is a closed account with huge amount of missed payments. AMERICAN EXPRESS XXXX. Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the AMERICAN EXPRESS has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Money transfer, virtual currency, or money service

I'm a part-time seller, and I didn't try to sell on XXXX until XXXX. My sources of goods are very regular. My money has been on PayPal for a long time. I don't know why PayPal took my money away without any reason PayPal - negative {$4800.00} XX/XX/XXXX Transfer Loading transaction details for PayPal - negative {$4800.00} XX/XX/XXXX Transfer Paid with Balance {$4800.00} Transaction ID XXXX Seller info PayPal Note {$4800.00} USD ; PayPal Posting Date : XX/XX/XXXX ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation
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 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