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

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

XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX have violated my rights. 

The following accounts display as hard inquiries that i am unaware of & have also violated my rights. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 

I looked at my TransUnion credit report on XX/XX/year>2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

Have been trying for days to use XXXX to get a report from Equifax ( it's been one year since my last report from Equifax, so there should be no problem. 

I start with XXXX, fill in the information, then get passed to Equifax. On my first attempt, I answered all four of the Equifax questions ( all were junk and I responded " None of the Above '' ). Equifax ( https : //facta.equifax.com/ ) then said " Online Delivery Unavailable ''. Same thing happened on my second attempt ... .. answered all 4 questions ( still junk and responded " None of the Above '' ). Same " Online Delivery Unavailable ''.

In multiple attempts since then, the Equifax site does NOT ask any questions and immediately says " Online Delivery Unavailable ''.

I've called Equifax Consumer Services on XX/XX/19. They want me to forget about XXXX, and create a " my.Equifax '' account in order to get my free report. They have no intention to figure out what is wrong with facta.equifax.com. They have no intention to notify XXXX that they no longer support access thru that site.
Product: Vehicle loan or lease

State Farm Bank is enticing their clients by promises of Visa gift cards,  which might as well be considered cash due to them being accepted everywhere. This is rebating and is highly illegal. They are essentially " bribing '' their customers to finance with them over another lender even though the other lender has a better rate or program available.
Product: Credit reporting or other personal consumer reports

I mailed disputes to XXXX, Equifax XXXX XXXX in XX/XX/year> & requested removal of the inaccurate accounts from XXXX XXXX {$960.00}. No response or update toy credit file. I am writing to formally dispute the charge-off listed with XXXX XXXX, as I believe it contains inaccuracies. Please remove this a count in accordance with the Fair Credit Reporting Act ( FCRA ). I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months back I tried applying for a Home loan through a financial institution and was denied. Upon me pulling my credit report I noticed there were inquires that were not initiated by me or authorized on my behalf. The inquiries are as follows ... Inquiry : XXXX ( Date of inquiry : XX/XX/XXXX ) Inquiry : XXXX ( Date of inquiry : XX/XX/XXXX ). I tried disputing through Equifax and was told to I needed to contact the original creditor. I reached out to the creditor and got no help. I again contacted Equifax and was told to submit a CFPB complaint and or police report and or FTC report and send it in with a copy of my ID and proof of address. It is XX/XX/XXXX and I yet received a satisfactory of my disputes Ive submitted
Product: Debt collection

I am a veteran who is fully covered by VA. This medical debt does not belong to me.
Product: Vehicle loan or lease

XXXX XXXX This loan is over XXXX XXXX XXXX ; this loan was report years ago as fraud, creditors have not responded to any of my calls or letter, there was a point where they told me there's nothing, they could do about this fraud account
Product: Vehicle loan or lease

I had a lease with Hyundai Capital America. I turned in the car without any issue/ late payments etc. I dropped the car off and that was the end. Hyundai said they sent one letter that had a final payment of {$450.00} excise tax and {$250.00} drop off fee but I never received this and they never attempted to contact me. When I started my credit report is where I noticed it said {$700.00} WRITE OFF / CHARGE off so I called to inquire about this and why they didnt tell me. I paid off the {$700.00} immediately and I submitted to the credit bureaus the dispute with the paperwork showing this is paid. I called HYUNDAI several times to adjust the negative comment on my credit report and they say they listed it as PAID but they can not remove the WRITE Off/ CHARGE off amount that is still negatively affecting my credit score as I want to purchase a home. I have called Hyundai and Written them along with disputing thru the credit bureas but this is still showing up negatively on my credit report and its not fair.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, DE XXXX, XXXX XXXX XXXX XXXX, DE XXXX, XXXXXXXX XXXX XXXX XXXXXXXX
Product: Consumer Loan

Received a bill not itemized from Nissan Credit 60 days after turning in a lease vehicle for {$600.00}. Deduction of {$290.00} was expected, other deductions were bogus. Called and was told rear carpet of car had to be replaced, bogus, I am XXXX and no one even rides in rear, said there were XXXX other deductions but would not tell me what they were, said there were duplicates on bill. I requested a itemized bill and never received. Have tried to pay adjusted bill and 3 yrs later have never received. They reported to credit bureau as a write off. Called many times and requested a itemized bill and all I was offered was a XXXX % discount, not, would still show as write off on credit report. They would take payment over phone, not, but still would not send bill.
Product: Debt collection

XXXX XXXX XXXX XXXX I paid {$190.00} to XXXX by Postal Money Order and have call them month after month to remove this from my credit report and it still shows and they keep telling me that it should not be on there. This has been going on since XX/XX/XXXX every month they tell me it 's not on there and they have requested from XXXX XXXX XXXX XXXX to remove it but nothing. 

The information show collections in XX/XX/XXXX is wrong
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when the transaction were authorize, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXXXXXX : {$16000.00}
Product: Mortgage

I need to file a complaint against my mortgage company, Arvest Central Mortgage Company ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, AR XXXX / XXXX / XXXX ). They charged my escrow account twice in the same amount of {$2100.00} on XX/XX/XXXX and XX/XX/XXXX to pay the property tax to county. I sent them a message through their website to tell them that they paid duplicate property tax payments to county, but they didn't confess their mistake until I sent them few more messages. They sent me three or four incorrect escrow account annual analyses in few weeks. Finally they agreed to waive the escrow account and refunded the balance to me. My escrow account has been closed on XX/XX/XXXX ; however, they have not refunded the {$2100.00} that they charged me twice. They said they have requested county for the refund. Since that is their mistake, why I got penalized? They could not tell me when I can get back my {$2100.00}. I request they refund to me {$2100.00} immediately.
Product: Credit card or prepaid card

Bought American Express Serve card put XXXX on it this was XXXX after which call card and reported it stolen and told them not to process any claims was told at that time there was XXXX on it today I check it and it is XXXX balance after I told them it was stole
Product: Debt collection

Breach of Contract : I received inferior engineered floors that were thrown down in 45 minutes. They cut up and ruined my stairwell carpet and did not place the new carpet for which I paid. I did not get thick padding. I did not get strips dividing the rooms. I received no glue and no nails. They hid the unilateral changed contract from me. I paid other  companies to do for what I contracted with XXXX that it failed to do. 
Described below outlines my contract with XXXX : 1. Engineered flooring with glue ; I requested nails in lieu of glue that was promised and agreed upon. I did not get glue or nails and was told after the install, They could do it for an extra charge. I will not pay additional costs for something that was already paid, promised and expected. 
2. Thick padding ; When confirming my install, I was informed and assured by each person I spoke with, Thicker padding in in the contract. I received no padding. I was promised they would fix it. I was then told, It is in your contract, but we didnt charge you for it, so. 
3. Colored coordinated rounds They arrived on XX/XX/20 with white rounds. I did not let them in. They came back on XX/XX/20 with the correct quarter rounds to do the work. 
4. Room separator strips ; ( I was told they separate all rooms ) I ordered and was promised room dividers and was told, We put them between every room. I did not receive room dividers.

5. New carpeting for staircase I selected and paid for carpeting and did not get carpeting. 
I never had a contract with XXXX. I made a contract with XXXX. XXXX stated it was not XXXX and they are their own company. XXXX or XXXX accepted the agreed upon resolution of {$2900.00} and then XXXX informed me inXX/XX/XXXX they accepted the resolution before Arbitration, but they were still going to ruin my credit. I asked XXXX, You are saying that you did not accept the settlement, She stated, We accepted it. 
XXXX breached its contract when it unilaterally changed the contract. They promised to fix their breaches, but ignored the over 90 inquires I made for resolution. The floors sink and crackle when walking on them. They lied and stated they inspected them. They have not been to my house to inspect nor correct my issues ; and only attempted to put carpet on the steps after I filed a dispute. They gave carpet install dates on days I had a scheduled XXXX  and when I was not in town and would not address the floors. I wanted the corrections done at the same time. I gave up and went to other contractors and paid other companies to perform what I paid XXXX to do. 
Please see attachments
Product: Credit card

I had a American Express account and went through the financial downturn in XXXX. 
I made several payments and could n't make any more. They filed a judgement against me and tried to collect. The sheriff came out and I did n't have nothing to collect. One year later I received another credit collection company " XXXX XXXX XXXX XXXX '' after the same money. Too me this is double jeopardy. The amount is {$4800.00} in which the original balance was {$10000.00}. Civil summons File number XXXX. American Express vs XXXX XXXX XXXX ; Lawyer was XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, North Carolina XXXX ( XXXX ) XXXX. In addition filed a Motion to Claim Exempt Property.
Product: Mortgage

I closed on a home XX/XX/XXXX. I was assisted through the process by XXXX Mortgage. During the closing day signing, the XXXX agent was asked by the title agent if they would be selling the loan and she advised no. Unfortunately, this was not accurate and XXXX sold the loan before the first payment due. My loan was immediately sold to Village Capital with my first payment due XX/XX/XXXX. My payment amount from XX/XX/XXXX through XX/XX/XXXX seemed to be in line with the payment amount and documents advised during closing of {$2800.00} which included $ XXXX for mortgage insurance for loan type. XXXX of XXXX my monthly loan amount increased to {$3400.00}. It advised it was to balance escrow so I thought it was not going to be a monthly increase the first time I saw the payment difference. XXXX statement my monthly mortgage has now increased to again to {$3400.00}. I called Village capital on XX/XX/XXXX. In the call to understand why the increase and would this be ongoing the rep said the increase was because they used and analysis tool and based off of their findings, they found my mortgage would be {$630.00} more a month. I asked for a breakdown and the rep looked line by line and said we called, and no taxes increased those were the same. Then the agent advised of the increase the {$200.00} was for mortgage insurance and the other {$430.00} was for homeowners ' insurance. She said they did not have a declaration showing I had insurance and the analysis tool they use advised my insurance would be {$3500.00} a year. 

This loan is not even a year old. I would not have been able to close if I didn't have homeowners ' insurance which policy payment is required on an annual basis. I was advised they had no declaration page, but this service provider was able to verify no taxes changed but was not able to find a homeowners declaration page after purchasing the loan from XXXX mortgage and done no due diligence for this line item, so they increased my monthly based off of an in-house tool. And for them to include more mortgage insurance on top of what was already included in my payment terms & conditions is a billing error. 

This company is running a scheme on homeowners to get them to default or refinance on their mortgages. How many others has this occurred to. They have similar practices as such that has already been in federal litigation. Why does the federal government allow companies like this to continue to hurt consumers. They are taking additional monthly income from me and advising they are placing these funds in an escrow account and for what justifiable reason. A reason that does not include an in-house analysis tool. I don't think it is fair that the statements are also not line-item detail transparent. They just categorize the over payment as short/surplus which is subjective and open to the ability for a consumer to not be able to reconcile their mortgage. They are trying to steal consumer homes through billing errors and analysis tools that can be improperly programmed.
Product: Credit reporting, credit repair services, or other personal consumer reports

So back on XX/XX/2017 I applied for a bank account at the bmo harris online, I was approved, I never got the chance to bring in my signature card and deposit on time so the account was closed.I called and was informed I had reapply application again but now this time I was denied in which i found odd.I then come to find out that BMO Harris reported me to check systems for fraud.on XX/XX/2017. 
They have wrongfully put this on my consumer report and I want it off, I have never been reported for fraud.I consider this damaging to my reputation by libel.I am a XXXX worker for over 26yrs for a XXXX XXXX I have been a making a difference on published website, University XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and I have sent a letter off to the collection agency and there was no reply.
Product: Debt collection

On XX/XX/2024, a litigation office by the name of XXXX XXXX ( as we were told by XXXX XXXX from that office ) called my employer. When my employer did not answer, they sent a text message saying that they were going to put a lien on my bank and garnish my wages. They also called my employer several times before this, and also called my wife and daughter on separate occasions. I called this litigation office back to try to figure out what they are calling about and why they keep calling everyone but myself. At this point, it has become harassment. They proceeded to tell me my SSN number and would not give me any information unless I said " yes, that is me ''. XXXX then proceeded to tell me about a debt I owed and with attorney fees, legal, fees, interest, original debt and other fees, the total I owe is {$3600.00}. They said I could settle for {$1200.00}. I asked what this was for, who the original debtor is, and the original debt owed without any interest and fees. I was told this was for a XXXX 'XXXX XXXX XXXX XXXX  financed by HSBC XXXX XXXX, and the original debt was {$650.00}. They said they sent letters to our home address and my employers address but they never received a response from us. That is because we never received anything in the mail, at either address. My wife was on the phone with me and she asked them to provide copies of the letters they sent to us since we had not receive any communication from this office and verification that the debt owed was for HSBC Household Bank. They denied to send us any documentation stating that HSBC XXXX XXXX hired them to collect the debt, and since HSBC XXXX XXXX  is their client, they can not provide us with any documentation. That was an immediate red flag for us. They asked me for my email address so they could email me a settlement letter, and gave us until XXXX on XX/XX/2024 to counter an offer. They originally stated that they needed a counter offer tonight or they were going to proceed with processing the lien to my bank and garnish my wages. After we received the email, we hung up the phone. We then called HSBC XXXX XXXX to verify the debt. Both the Credit Card dept. and the Collections dept. verified that I DO NOT owe this debt. They also asked if I had anything on my credit report showing that I owe this debt and I told them I do not. My wife told me to not call the litigation office back, as this is fraudulent. We are now reporting this to the CFPB, the FTC, and our XXXX 's office to make you aware of this scam. We are still worried that the litigation office will proceed with putting a lien on my bank account and garnishing my wages. We will be calling the office of the Consumer Credit Commissioner tomorrow, XX/XX/2024, and making them aware of this situation as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is showing late payments and charge off.
Product: Checking or savings account

Wells Fargo has been stealing from my account for months probably years. They are moving previous transactions and stealing hundreds of dollars at at time. I can not pin point the exact amounts because of the way they are moving charges around. I am tired of them stealing my hard earned money. I have tried to resolve this issue with them to no avail. This is my last course of action.