23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # 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 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 sent a letter to Equifax XXXX about some hard inquiries on my credit report that are still reporting. I am getting denied business credit cards to help fund my business because of these multiple inquiries that are not serving a purpose on my report. I know according to - Under 15 U.S.C. 1681n ( a ) they must maintain maximum possible accuracy when putting together a consumer report and they have violated my rights as a consumer. I wish to get these inquiries removed immediately so i am not being held back. This is very damaging to my reports and if this issue is not fixed i am going to file suit for {$1000.00} per violation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I never gave these creditors permission to run my credit. I know that this is a crystal a clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as a violation of its provisions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions I've been trying to resolve the issue with XXXX 's XXXX they have a phone number on file that does not belong to me or my business not in the past and not currently. I went through the dispute process that took over 90 days and they concluded that the information was verified and accurate. Even though I told them numerous occasions that the number does not belong to me or my business they claim it's verified. XXXX XXXX refuses to remove the phone number that does not belong to my business which causes me to get credit denied by banks because they can't verify my phone number that XXXX XXXX has as inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXXXXXXBalance Owed : {$110.00} XXXX XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 paypal locked my account with out any warming my tax refund was direct deposited into my account at XXXX for the amount of XXXX paypal has yet to release my account I spoke with three different customer support rep and all three gave different answers one even told me she didn't know why I couldn't transfer my money that the account was not limited like one of the said rep stated before I need my money I'm a single mom and my bills are due this is beyond ridiculous
Product: Mortgage

Failure to provide periodic statements as required by law. 

http : XXXX
Product: Debt collection

XX/XX/XXXX - Collections from Rash Curtis & Associates from XXXX, CA shows up on my credit report. I have never been contacted by these people. 

XX/XX/XXXX - I call them and request my account information. I give them my new mailing address and request a physical copy of my account information so that I can determine if the debt is mine. They also email me a file, but the email ZIP file is corrupted and doesn't open. They tell me over the phone that the debt is allegedly from XXXX XXXX XXXX, but I have lived out of state for nearly two years and nobody from XXXX XXXX XXXX ever contacted me despite having both my phone number and email address. 

XX/XX/XXXX - Nothing has come in the mail. I email client services and request a new emailed account information and ask about the status of my physical copy. They do not reply. 

XX/XX/XXXX - I call and ask about the status of my physical mail and they have not sent to the new address I gave them. They try to bully me into paying right then and there saying they have an EOB from an insurance company and give me the date of the care that allegedly happened. I say that I do not recall what insurance I was using at the time and that I want my physical copy of my account information. The representative hangs up on me. I call back and talk to somebody else. They pressure me to pay as well and send me another email attachment that doesn't open.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Nu 1 ), has violated several of my rights 16 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy, 18 U.S.0 1681 Section 604 A Section 2 : It also atatos a consumer reporting agenc can not furnish an account without my written instructions 15 U.S.C 16668 : A croditor may not treat a payment on a credit card account unde open-end consumer credit plan as late for any purpose Remove these late payment and update thie account immedialaly as you are in dies Violation of several laws under The Fair Credit Reporting Act,
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, Consumer and natural person am a victim of Identity theft. XXXX, Transunion and XXXX have used and furnished my consumer report without my consent, authorization or written instruction. They allowed companies to share my nonpublic personal information without consulting me and used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! XXXX, Transunion and XXXX have violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that the exercise their grave responsibility with respect of the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their responsibility with fairness, impartiality, and respect to the CONSUMERS RIGHT TO PRIVACY! XXXX, Transunion and XXXX are in direct violation of the FCRA and XXXX XXXX XXXX XXXX of 1999.
Product: Credit card or prepaid card

I had a credit balance from overpayments. Chase can not find the money and can not find notices they sent me from latest of XX/XX/2020. Total is around {$2000.00}. Their customer service said only option is writing to their correspondence department and can not give any time on a possible reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a lot of false inquiries on my credit report that not only did I not make, Im totally unaware of. I wrote multiple letters and online dispute to Equifax bureau and requested that these false HARD inquiries be removed immediately. However, they have yet to be removed and my credit has been affected tremendously because of these inaccuracies thus denying me the rights under the fair credit act.
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  Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or a 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 or other personal consumer reports

I received notification via email from several credit monitoring services I use such as MyFico indicating that a new account inquiry had been applied to my credit report around XX/XX/year>. I immediately froze all of my credit reporting through transunion, XXXX and XXXX I called the company XXXX and they were unable to help me or provide me with any information. The representative was only able to provide me with the credit bureaus that they use to open new accounts. I called XXXX to get the inquiry removed and a fraud alert was placed on my account, I called transunion and was told that i would need to file a claim on report fraud.ftc.gov.
Product: Debt collection

Company : XXXX XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Tx XXXX Phone ; XXXX XXXX Debt collector company reach me attempt to collect a debt to First Cash File number XXXX I make a payment arrangement with them and I paid them XXXX. XXXX to charge off XXXX. I try to reach them back i never get the communication, they do not sent me the receipt the same day until I contact them and I leave a voice mail because they never answer the phone. I suppose to paid XXXX on the XXXX but I do not paid because when I try to reach this company nobody answer. I try to many time to reach them back I never get a respond. I get bad vibes, I look online I don't find this company online look by the phone and people talk about this is a scam. They call me back today XXXX because they can not process the amount of XXXX. I explain everything to XXXX that is the name of the person that call me. She gave me the website but I never find that website ; XXXX. We have a little discussion but I do not want to continue with this so I hang up. That's why im making this complain. To see if this company can check if this is true or is a scam. Also help other with my experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting incorrect information on the credit report. They are reporting a collection account in the amount of {$220.00} is being reported by Alpine Credit , Inc. This is not my account and needs to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax at XXXX on XX/XX/XXXX at XXXX Pacific time to dispute an inquiry that I did not recognize ; it looked like someone applied for an account in my name without my authorization. The representative at Equifax stated in order to identify me I needed to provide to her a copy of my driver license front and back and that I needed to send her a copy of my police report to start the investigation. I questioned her and stated the FCRA did not require all this to investigate. She paused and said that she was following FCRA. She seemed very agitated and said there was another way to identify me, that I had to read information on my credit report. I read many, many accounts, over 20 accounts that are currently open, along with the dollar amounts, dates open, etc. That was not enough, she then asked for me to tell her the names of whatever installment loans, student loans or auto loans that were no longer open. She asked for the dates open, amounts information regarding the accounts. Finally it seemed like she might take my dispute. She asked which account inquiry I wanted investigated and removed. I told her it was XXXX XXXX dated XX/XX/XXXX. She asked is this the ONLY item? I said yes. Then she said that she wanted to help but that she needs a copy of the police report to get the account investigated. She seemed annoyed and asked did you ever write to Equifax to get this removed? I said no and explained this is why I was contacting her now and that I would like for her to help me. I reminded her that FCRA does not require a police report and I asked to speak to her supervisor so I could get the help I needed. She left me on hold. I held on the line for over 15 minutes in silence, then I heard music, then silence again for over 15 minutes. No one ever picked up the phone after waiting on the phone for nearly an hour ( see attached screenshot ). As I waited, I decided to reach out to you, the CFPB for assistance, because it was clear I would not get any help from anyone at Equifax. They are clearly violating the law if this is how they treat consumers. Please help me to get this unauthorized inquiry verified and removed.
Product: Mortgage

Mortgage company Newrez acquired my loan holder company called XXXX XXXX loans. My homeowners insurance is paid out of a escrow account. Newrez did not make the payment to XXXX XXXX XXXX and my policy was cancelled due to lack of payment. Per Newrez they attempted to call XXXX XXXX XXXX at XXXX on XX/XX/scrub>XXXX XXXX and XX/XX/scrub>XXXX XXXX was left to get billing information. Newrez also faxed a letter requesting the billing information to XXXX, no reply was received from XXXX XXXX XXXX At no point after Newrez identified that there was a problem paying the homeowners insurance policy did they try to contact me the homeowner, not by phone, Email, or paper mail. my previous insurance carrier will not underwrite a new policy for my home, so I have to obtain a new policy. This will require me to pay money to get a new inspection among other costs. 
I do not believe that Newrez is operating with the best interests of it's customers and was eager to make money by charging me for their home insurance a a higher rate. 

my deed of trust page 11 section 20 may show that Newrez is obligated handle my policy, it is attached
Product: Credit reporting or other personal consumer reports

I personally do not know this information but it is in my report damaging my status, please remove this soon, this is a mistake XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 USC 1681 ) emphasizes the importance of consumer reporting agencies handling responsibilities fairly, impartially, and with respect for privacy. Equifax and XXXX fall into this category, but I, as the consumer, assert my right to ensure that my private information is not shared, as supported by 15 USC 6801, which highlights the obligation of financial institutions to respect customer privacy. According to 15 USC 1681, neither the financial institution ( Furnisher of information to credit agencies ) nor the consumer reporting agencies ( Equifax and XXXX ) have my consent to furnish this information. I revoke any previous consent, be it verbal, non-verbal, written, implied, or otherwise. 

Furthermore, 15 USC 6802 emphasizes that a financial institution can not disclose nonpublic personal information without explaining the consumer 's right to nondisclosure. The financial institution, in this case, failed to inform me of this right. Additionally, 15 USC 1681C restricts the inclusion of certain adverse information in consumer reports without permission, and my account is being reported adversely without my consent, which is a violation of the law. 

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, information should not be furnished to a consumer reporting agency if it is known or reasonably believed to be inaccurate. Equifax and XXXX are not maintaining reasonable procedures, as required by 15 U.S. Code 1681e, to avoid violations. Furthermore, 12 CFR 1016.7 allows consumers to opt out at any time, and I am exercising my right to opt out of their reporting services.
Product: Debt collection

This account reported to the credit bureau late XXXX to 60 days. when this account was open i was old this was not a credit base account. the creditor did not notify me that my account was not current. this account was placed on autopay in which a receipt was sent monthly stating that the bill was paid. No phone calls or letters that stated otherwise. 
I attempted to call multiple times to resolve the issue with no help just being passed on from XXXX person to another. This matter has caused serious mental distress being as though am due to settle on a home in the next XXXX weeks. I've been told this matter will correct itself and there's nothing more that can be done. 
in accordance with Fair credit reporting act XXXX  account ( Acima digital fkf simp ) and XXXX XXXX XXXX  has violated my rights. 
15 U.S.C 1681 section 602 A states the right to privacy.

15 U.S.C 1681 section 604 A It also states that 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 submitted a direct debit dispute form to XXXX on XX/XX/XXXX. However ; the company failed to remove the 60 day delinquency from my credit reports by the three reporting agencies. I was notified in XX/XX/XXXX by XXXX XXXX XXXX that my loan was being transferred to XXXX. I was informed that I must make telephone payments until my direct debit form was received. I made a telephone payment on XX/XX/XXXX. My payments from XXXX XXXX, XXXX through XXXX XXXX, XXXX were automatically deducted. Since additional principal payments were paid on my account, another payment wasnt due until XX/XX/XXXX. As a result of an XXXX internal billing error, my monthly payments were not withdrawn from my bank account. This information was confirmed by an XXXX representative via the telephone. XXXX has not taken any action to remove the delinquency from the three credit reporting agencies.
Product: Money transfer, virtual currency, or money service

I was trying to open and account with XXXX and it wont allow me to
Product: Credit reporting, credit repair services, or other personal consumer reports

Denied credit. Freeze has been released. No response from Synchrony Bank
Product: Credit reporting, credit repair services, 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. 

Accounts : XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INQUIRES : XXXX XXXX XXXX XXXX XXXXTN, XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 MAKER 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 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

1.

Ive reached out to this company exercising my rights to opt out of sharing my personal information with third party companies such as XXXX, XXXX and XXXX, to no avail FCRA as a federally protected consumer I am opting out of any and all authorizations, of sharing my personal information with any third party entity ( 16 CFR 313.7 ) - 16 CFR 433.2-433.3 Requesting to opt out 15 USC 6802 ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery is violating my consumer rights. They violated my privacy and committed fraud by receiving my personal information from another party and attempting to collect an alleged debt which I do not owe. They have then furnished my information without consent and defaming my character with this negative account.
Product: Mortgage

Our loan servicer, Wells Fargo, has not been crediting our payments in a timely manner, instead, placing them into " unapplied funds '' and then filing foreclosure proceeding against us because they have not credited the payments. In XX/XX/XXXX, these unapplied funds equalled more than 4 monthly mortgage payments. Wells Fargo then filed for foreclosure, even though the ony reason we were behind was because they were placing our payments ( made by certified checks sent directly from the bank ) into unapplied funds instead of promptly crediting them as payments. 

In XX/XX/XXXX, a late payment was made due to the passing of my father-in-law and the need to cover his funeral expenses. 

According to an agreement entered into on XX/XX/XXXX, there could be one cure period if a payment was missed. According to Wells Fargo, this cure period took place on or about XX/XX/XXXX. However, there were no missed payments, these were only part of the {$10000.00} in unapplied funds. 

In XX/XX/XXXX, Wells Fargo began to reject certified payments, sending back our XX/XX/XXXX payment. They now admit that they are no longer accepting payments. I believe they are only doing so to force a default as there is no sound reason for doing so. 

Also, Wells Fargo is dual tracking. I have had an active request of mortgage modification for almost 9 months. Wells Fargo states that a modification takes approximately 30 days, this has taken more than 8 months because Wells Fargo has taken so long to process the modification that the documents have become stale dated, due to the fact that more than 4 months elapses before they begin to process the documents submitted.There is no reason that a mortgage modification should be going into its ninth month except for the willful indifference or deliberate malfeasance of the lender. 

Also, Wells Fargo has included {$1200.00} in legal fees in what they claim are " arrears ''. Also, Wells Fargo has cut us off from access to our monthly statements and has refused to send us duplicate statements we have been requesting in order to document all of their errors. 

They have instead sent us spreadsheets with information that omits such unauthorized charges such as legal fees. Wells Fargo has no explanation as to why we can not get access to the online portal to view our payment history except that they do not want us to document their accounting errors. 

Also, there are late fees due to the delayed crediting of our payments and their being placed in " unapplied funds '' for months at time.