23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I previously signed up to take a course. With XXXX XXXX XXXX. However this class meetings would not allow me to enter the XXXX lessons although they kept sending me text messages. I sent Correspondence to the instructor via text and he or she never responded to my texts after the site red flagged a warning at this time I contacted Mechanics Bank and informed them to please return the fees they had taken out of my account. I had to have XXXX and while waiting I quick view my account and was almost {$500.00} dollars overdrawn even after I asked them to remove the fees and the {$70.00} charges. I apparently owe {$480.00} I kept being charged along with the {$5.00} charges continuing until the account was cleared up. My issue is the bank is violating my consumer rights and also has caused injury on my family as well as myself. I want the bank to return all my credits they have taken from me due to the billing errors found. Those credits are for personal and family use. Also the bank has been violating me per the TILA act. They provide truth in lending saving information but what about truth in lending period as a whole. This act states these things should not be happening to me. My family is suffering because I am being violated and I have a right to ask for a refund if Im not able to log on to classes I have provide attachements as well.
Product: Debt collection

This is my second attempt to have this removed/deleted from my credit report. The date of account opening and balance being reported are 100 % inaccurate. Sec. 623 of the FCRA covers the reporting of 100 % accurate information. I have notified COMPLETE CREDIT SOLUTIONS , INC ( CCS ) of the inaccuracies and they have continued reporting the same incorrect information. The date on the " receipt '' they sent to me as proof of debt states the account was opened on XX/XX/XXXX but XXXX is reporting it as XX/XX/XXXX XXXX, XXXX, and XXXX. It also states a total balance of {$1000.00}, XXXX however is reporting that I currently owe {$2500.00}. That is two clear strikes against this collection agency violating the FCRA.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation!

In accordance with the Fair Credit Reporting act. These accounts have 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 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 XXXXXX/XX/year> REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

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 of 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 a account without my written instructions.
Product: Mortgage

I have two complaints regarding Nationstar Mortgage. 
1. I am currently in a Ch XXXX BK. My mortgage is paid by me outside the BK payment plan. As someone who has experienced significant financial troubles in the past, I think it 's very important to make sure my payments are made on timeand accurately posted. I have requested several times to receive statements - and my Attorney has given permission to Nationstar to contact me. However, each time I get " you 're in a BK so we cant send you statements '' - however, when I call on the phone and need to confirm EVERY MONTH that my payment was received and every quarter request a copy of my payment history - their phone recording has a long disclaimer how if you 're in BK this is not an attempt to collect ... .. - subject to the rules of the BK. My complaint is - Why ca n't they just put that disclaimer on the statements and send them each month? I know other mortgage companies do this. Also - once I filed BK - they shut off my online access so I ca n't even look there! This seems like a punishment to those of us that had financial difficulty and now we have to continue to 'pay for it ' when we are trying so hard to get back on our feet and rebuild. I hated that we had to file BK and- my mortgage was current at that time we filed. 
2. I have requested an escrow analysis now XXXX times. Each time I get the - OK it will be mailed to you. I have never received it. Today when I called - I got that " it 's not ready yet '' and I ordered it over XXXX weeks ago. WHAT? It 's an escrow analysis - it takes XXXX minutes to run on a computer - probably not even that long since the first time I called, the customer service rep did it while I was on the phone. Today the CS Rep told me he could n't mail it to me but he could give it to me over the phone? Now they tell me it 's not ready yet and they will only mail it to my Attorney. This seems like further delays XXXX punishment ) and also takes more of my time and his time to follow up. If they just sent me a statement I 'd know what the status of my escrow account was! 
I think this - 'we ca n't send any info to you ' is a cop out - especially once your BK is 'taken care of '' and the approved CH XXXX payment plan begins. I feel that it is discriminatory towards people who have filed BK. We used legal means to try and get ourselves back on track. I want to make sure my payments are received timely -what if there is a problem with my 'bill pay service ' and it does n't show - how do I know in a timely manner in order to avoid additional fees or bad marks on my credit? When I went through my BK - it was noted that my escrow account had a significant shortage - almost XXXX worth - which I had to come up with and pay right away. What it that happens again? How am I suppose to know? I am committed to managing my funds responsibly and getting back on track - this constant battle with Nationstar is nothing more than them harassing me due to the BK.
Product: Credit reporting or other personal consumer reports

On XXXX i had been searching for auto insurance through different websites and i had gotten quotes that were higher than i already was paying.I also got a notice that a company would not insure me based on my credit info from XXXX then went on their website and requested a copy of the info they have.The system they have would not give me any info and stated that i had given insufficient proof of my identity.They then sent me a letter stating the same thing.I gave them the following Full name, current address, with zip, current phone number with area code, full social security number, full dob copy of dl.They also say in their letter i can furnish 12 additional items of proof but i was not required to do so.So i want to know how am i supposed to prove to them my identity without furnishing additional documents that they say i dont have to furnish.I again want to reiterate no private companies should be allowed to gather citizens personal info for any reason especially to make money.Some day people will wake up but to the person reading this letter they have YOURS ALSO!!!!!!!!!! Should my info be kept as private as possible of course but remember they just supplied my info to a company with the same information they are telling me isnt good enough.You asked have i been in touch they are great at being too busy to receive phone calls.Thats why they have a dedicated consumer line so they can not answer it.I bet the sales line isnt busy!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

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 o # 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 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 card

Back in XX/XX/2023 I began having financial issues. I requested a lower payment per month for about {$200.00} The representative told me that I should let my account go 60 days past due for better options. I did so then was told that the information was not true whenever I called back in XXXX I was told by another representative that I could file a complaint with company about the options provided during hardship. This resulted in me having late payments and a bigger minimum monthly payment that I can not afford and will never be able to catch up.
Product: Debt collection

Upon moving out of my apartment ( XXXX, XXXX, Nevada ) in XX/XX/2021, the management refused to do a move-out inspection. About a month later, they sent me a letter saying I owed them {$140.00}, which was in addition to the {$300.00} deposit they were not returning to me. This document they sent me falsely stated this extra charge was due to " accelerated rent ''. At this point in time I had never been provided an itemized list of charges, which is required per my lease. I have pictures supporting my claim that the unit was left in as clean or cleaner condition than when I moved in, in accordance with the terms of my lease. XXXX  years later now, the alleged debt is with a collection agency ( XXXX ) and when I disputed this debt they were able to provided an itemized ledger containing cleaning charges totaling {$340.00}. These charges are fraudulent. Additionally, the itemized ledger was never sent to me within XXXX  days, as is stipulated in my lease. These cleaning charges are part of the cause of the alleged debt I owe. I have a complaint open with the XXXX ( which has given XXXX an " XXXX '' rating ) and am disputing this debt with the XXXX major credit agencies. I have pristine credit, and can afford the {$140.00} charge, but these business practices are fraudulent and should be stopped for the people that can't afford to have their {$300.00} deposit stolen and then their credit damaged due to fraudulent business practices. Neither XXXX ( the apartment ) nor XXXX XXXX XXXX XXXX ) has provided evidence ( i.e., move-out inspection form and pictures ) substantiating their claims. Additionally, XXXX 's communication practices have been vague, inaccurate, and not in accordance with the lease ; this is fraudulent behavior. I have attached a sampling of pictures ( due to file size limits ) and additional supporting documentation to this complaint.
Product: Debt collection

back in XX/XX/2015, a car accident occurred where i had to be taken to the hospital by a friend ( not ambulance )! at the time this occurred i had and still have state medicaid. which should have covered the bill. and for some reason now they are denying the fact they can verify that.
Product: Debt collection

I have had one contact with an agent named XXXX from IQ data on Wednesday, XX/XX/XXXX at XXXX XXXX. XXXX requested to speak with two unknown individuals and I told her she had the wrong number. She then mentioned my daughter 's name and I continued with the call. She mentioned a {$550.00} debt of which I was unaware that was incurred upon move-out of an apartment by my daughter. When I indicated we would pay the debt, once we saw written correspondence, XXXX threatened credit reporting which would damage my credit if I did not pay mmediately while on the phone with her. She asked for my employer 's name, email and other private information. I indicated that based on receiving nothing in the mail from her company that I was not prepared to pay a stranger claiming to be a debt collector or to provide any additional information. She interrupted, rattling off numerous PII items relevant to my daughter, including her entire social security number, and saying that was proof of who she said she was. I asked for the bill to be mailed to the address she already had on file. She said she needed to email me the information in order for me to handle it immediately with her on the phone, and when I tried to respond that I would pay by mail, she repeatedly talked over and interrupted me in an aggressive and loud manner, repeating threats that my credit would be damaged if I did not pay immediately by phone and noting that she was only trying to help me. I asked for her to send the information by US mail, and after almost 7 minutes on the phone she indicated the item had been mailed, two days prior on XX/XX/XXXX. I said that was fine, and as it hadn't arrived, I would look for it and pay it when it arrived. She interrupted, again, repeatedly, continuing to demand payment immediately on the phone with her or my credit would be damaged and stating that there would be no way to have the report removed, causing permanent damage to my credit. At that point I told her to stop interrupting me - which she would not do - so, I asked to speak to a supervisor. After waiting approximately four minutes, she  came back to say the supervisor was not yet available. After another two, she  indicated that I could leave a voice mail or escalate to another type of area leader, which would require more time on hold. I indicated that I believed this was an extension of the harassing behavior, to prevent me from talking with a supervisor, and that I was making a complaint to the CFPB and discontinuing the conversation. She began threatening me with credit reporting again, and so I said " thank you '' and terminated the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes. I tried calling but I had no luck.
Product: Credit reporting or other personal consumer reports

Im writing to formally dispute the inaccurate personal information present on my credit report. The report contains entries that I believe are incorrect or irrelevant, and I request their removal to ensure compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, the following issues require attention : Disputed Entries : XXXX. Name Variations : 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. Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AR 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 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 ) Legal Basis for Dispute : This complaint is filed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 - 1681x, which mandates that consumer credit reports be accurate and complete. Specifically : 15 U.S.C. 1681e ( b ) : Requires that credit reporting agencies maintain reasonable procedures to ensure maximum possible accuracy in the reporting of information.

15 U.S.C. 1681i : Mandates that consumers have the right to dispute inaccurate information, and the credit reporting agency must investigate and correct or delete any information that is found to be incorrect.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Requires that companies providing information to credit reporting agencies ensure the accuracy of the information. 

Actions Taken : I have reviewed my credit report and identified the above discrepancies. I request that the Consumer Financial Protection Bureau ( CFPB ) investigate these inaccuracies and facilitate their removal to ensure my credit report accurately reflects my personal information.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX, XXXX debt collectors have re-aged my account by 3 years. Debt to XXXX due to unemployment layoff and new baby at the time in early XX/XX/XXXX went unpaid. Now in XX/XX/XXXX, it shows only 3.75 years. Company is misreporting the debt. Please investigate. 

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

The items listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX XXXX XXXX XXXX. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX XXXX XXXX ( CRA ) & XXXX XXXX XXXX XXXX ) are not complying with federal law in regards to identity theft. Additionally, the XXXX XXXX XXXX XXXX XXXX XXXX  have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
NEGATIVE ITEMS : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$2500.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$720.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$430.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$180.00} XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Inaccurate Name : XXXX XXXX Inaccurate Address : XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reported by XXXX on my credit reports with Experian, XXXX, and XXXX. The discrepancies in the information provided by these credit bureaus are significant and have resulted in a gross misrepresentation of my credit profile. Additionally, my account was improperly sent to collections without my consent, constituting a breach of privacy. I demand the immediate removal of this account from all credit reports and seek enforcement of applicable laws for the resolution of this matter. 

Inaccuracies Identified XXXX. Date Opened : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. High Credit : Experian : {$0.00} XXXX : {$6200.00} XXXX : {$6200.00} 3. Credit Limit XXXX Experian : {$6500.00} XXXX XXXX {$0.00} XXXX : {$6500.00} 4. Date Last Active : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX 5. Date of Last Payment : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Violations and Impact These discrepancies demonstrate a severe lack of consistency and accuracy in the reporting of my account. The reported late payments exceeding 120 days and the improper sending of my account to collections without my consent have caused undue harm to my creditworthiness and breached my right to privacy.

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in dates, high credit, and credit limit reporting violate this standard.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : If disputed information is found to be inaccurate or unverifiable, the consumer reporting agency must promptly delete or modify the item of information.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Furnishers must not report information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Furnishers must investigate disputed information and report the results to the consumer reporting agencies.

6. Right to Privacy : Sending an account to collections without proper notification or consent can be a violation of privacy rights, as it involves disclosing sensitive information to third parties without authorization.
Product: Credit reporting or other personal consumer reports

When I went through my credit profile I seen inquiries that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Their website has a pre-qualification form for personal loans that specifically states " this will not affect your credit score. '' I did the pre-qualification form but decided not to pursue fully applying for the loan. The local branch still pulled my credit report, resulting in a hard inquiry without my permission. I contacted the company about this, and someone from a local branch called me back. First he tried to get me to close the loan anyway even though I didn't want it, then said he would contact the company 's home office to find out how to resolve the issue. He said he would call me back by Friday but I never received a call.