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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Bank Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

Newrez/shellpoint raised my payment by about {$400.00}, or about 14 %. They've done this even though my homeowners insurance is the same for the last 2 years. They do this even though my real estate taxes went down by about {$600.00} per year. ( This was due to the approval of my XXXX XXXX XXXX veterans status by my colorado tax assessor ) I began the complaint process with them in XXXX. They take 6 weeks to respond and say their calculation is correct. They point their finger at me and tell me it's my responsibility to provide them with insurance and tax bills. Even though I've done this a dozen times, showing that my payment should have been lowered, they do nothing. 
They send secure messages but when I try to open them, I get expired link errors. 
It just appears that they've been operating with impunity. I world change mortgage servers but the interest rate rise keeps me from doing that. 
Please help. At the very least they should be sanctioned for their actions. Doing this to a XXXX veteran on a fixed income is very scary. With all the increases found today, an incorrect raising of my home payment is scary to me, a person on a fixed income. 
Thank you for your.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the presence of inaccurate accounts on my credit report, as well as inconsistencies in the reporting of collections and closed accounts across the three credit reporting agencies. These discrepancies violate consumer protection laws, as consumer law mandates that all information reported across credit bureaus must be accurate and consistent. I have thoroughly reviewed my credit report from [ XXXX ], [ EQUIFAX ], and [ XXXX ]. I have marked up the report, highlighting the following issues : 1. Collections : The collections accounts listed on my credit report differ significantly across the three credit reporting agencies. For instance XXXX is Reporting XXXX XXXX  as Collection Status CLOSED, Date Open XX/XX/2023, Last Activity XX/XX/2023 and most recent adverse rating as Collection/Charge-Off. Then If you look Directly at EQUIFAX Credit Agency it Reports XXXX XXXX XXXX as Collection Status OPEN, Date Open XX/XX/2023, Last Activity XX/XX/2023 and most recent adverse rating as NO DATA AVAILABLE. But Paid Charge/off Which I HIGHLIGHTED. Mean While XXXX XXXX XXXX is Not Reporting XXXX XXXX  its actually NOT FOUND!!! that account doesnt even exist on my credit profile with XXXX nor does it shows up, just as stated I have no claim to this alleged Collection and should be reported as Status CLOSED across all 3 Credit Agencies leaving XXXX & EQUIFAX being the only two Credit Agencies left to Update to the correct status & removal of the alleged Negative Collection account from my consumer report immediately. I have attached a copy of my credit report with clear annotations and markups, illustrating the highlighted discrepancies. These discrepancies not only undermine the accuracy of my credit report but also create confusion and potential harm to my creditworthiness
Product: Mortgage

My home loan servicer ( mortgage holder ), Bank of America, will not comply with assisting me with a home loan modification, and/or mortgage assistance as prescribed by them ( and on their website ). I was denied a modification because of a previous modification and I was denied a forbearance with no explanation. XXXX options are listed on their website as available resources/options for clients in need of mortgage assistance, like my situation.
Product: Checking or savings account

The company closed my bank account, and I have been a happy customer for over 2 years. They closed my account based on the documents I uploaded when they asked. I initiated a Money Transfer to a XXXX XXXX for his services ( to whom I have sent money before totaling over {$1000.00} over a year ), and they asked for a paystub or tax return to prove my income. I uploaded my pay stub that was just given to me 1 week ago, and then, after 4 hours, they decided to close my account for no reason. I assume it is because of my documents or income? I work at one of the most employed companies in the US. I downloaded the paystub from the official XXXX XXXX XXXX  I have held money in there since 2 years ago, and for them to abruptly close my account is horrid.
Product: Credit reporting or other personal consumer reports

XXXX XXXX I closed my XXXX  XXXX Bank of America account as I was a victim of fraud. 
The hackers had all my bank information from a phone clone. 
My balance at that time was $ XXXX. 
When I called Bank of America on XX/XX/year>, I was informed that my account was closed and I would receive a refund by check in the mail for {$17.00}. plus paid companion fee of {$95.00}. 
I was planning to reopen my account as I have been a Bank of America customer for XXXX years. 
6 months later, I received a letter in the mail that my account was 6 months overdue and I had to pay {$450.00}. In late fees and interest charges. 
The issues have not been resolved and the bank refuses to work with me. I have written to all the credit bureaus twice and they have not been of any assistance.
Product: Credit card or prepaid card

I used XXXX to put money on an inmates books. Im already charged a XXXX  + dollar fee from XXXX and then I look at my Discover Credit Card Statement and they decided to charge me a XXXX dollar cash advance fee that I never aggreed to. The main purpose of the credit card is to be a credit card. Not charged like a debit card unless i want to get cash back from a store. Ive never heard of cash xfers through a credit card. The website said put in a credit card not a debit card. Ive always known Discover to be a credit card company and also remember a phone call I asked about cash advances and there was no fee if paid on time. I pulled XXXX out at XXXX and was never charged a cash advance fee. I also had to put in a pin number to get a cash advance and never put in a pin for XXXX. I would like my XXXX back. I will attach my statement pdf of the last 12 months you will see the XXXX cash advance from XXXX in XX/XX/19 with no cash advance fee. Then the XXXX of XXXX which was not authorized as a cash advance. It is a credit card purchase not a cash advance. I did not put in a pin or anything.
Product: Checking or savings account

On XXXX I noticed an ATM withdrawl on my checking account that I did not make. I called PNC immediately to report it. They issued a " provisional refund '' for the amount of {$73.00}, {$70.00} for the withdrawl an {$3.00} for a service fee because it was not withdrawn from an ATM belonging to PNC. I gave them all the information that they requested. They determined, with no actual investigation, that the transaction was legitimate. It was not. 
They took the {$73.00} back out of my account. They admitted to not investigating thoroughly. I filed a police report a few days later. That is ongoing. The bank, after many phone calls to complain to them, agreed to file another dispute. Once again, they did not investigate. I received a letter on XXXX stating that they have concluded, with no actual investigation, that it is a legitimate transaction. They refuse to request the video from the ATM. They have succeeded in helping a criminal steal money from me.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 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

Errors on consumer checking account screening report. 

XXXX XXXX XXXX XXXX Acct # XXXX Acct # XXXX Customer ID : XXXX # XXXX I've been writing to request a correction of the following information that appears on my Early Warning Consumer Report. XXXX XXXX # XXXX and # XXXX. These accounts are showing on report. I didn't open these accounts and reported them to XXXX XXXX for an investigation. The investigation was completed through XXXX XXXX and closed. Please investigate and remove these accounts. They are showing on my Early Warning Report. 

Thank You for Your Assistance
Product: Mortgage

To Whom It May Concern : I 'm in the process of working with a bank for a XXXX loan and have been conditionally approved. However, we are at a stopping point due to the bank not being able to provide me regulatory guidance as to why they require a mortgage statement and insurance documentation for the home my husband owns here in XXXX. I am not listed on any documentation for the home financing or insurance. I am only listed on the deed as a beneficiary should something occur. Additionally, my husband and I keep everything separate financially and do not share expenses. Also, we are not selling the home in XXXX. I am the sole applicant living in XXXX, seeking to purchase a primary residence in XXXX ( not a community property state ) since I am military and have pending orders for a report date on XXXX XXXX XXXX and close on a XXXX XXXX XXXX XXXX. 

My husband is not an applicant on the loan and I am not financially liable for our home in XXXX so I do not believe such information is required and believe potential discrimination may be occurring due to marital status as the bank has stated they require the mortgage statement and insurance documentation to determine my debt to income ratio. My credit report should have sufficed as the home loan for my husband does not reflect, and two months of bank statements reflecting my activity or lack there of pertaining to our home in XXXX My husband has not authorized me to release his personally identifiable information as he has not requested be an applicant for financing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting unauthorized inquiries on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACTION THAT I TOOK WAS TO REQUEST MY CONSUMER AND CREDIT REPORTS FROM THE FOLLOWING CREDIT AND CONSUMER REPORTING AGENCIES : XXXXXXXX XXXX XXXX AND SAGESTREAM LLC, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AND ITS XXXX XXXX XXXX 
THE SAID ABOVE COMPANIES HAVE NOT SENT ME MY REPORTS AS REQUESTED AS OF YET! 
THEY HAVE NOT RESPONDED AT ALL. 
ACCORDING TO THE ( FCRA ), I HAVE THE RIGHT TO A FULL DISCLOSURE OF ANY AND ALL OF THE DATA IN MY RECORDS AS A CITIZEN OF THIS FINE COUNTRY, THE UNITED STATES OF AMERICA.
Product: Student loan

I submitted my PSLF in XX/XX/XXXX to XXXX. I was told I had 4 months left to pay on my loans until forgiveness. I paid until XX/XX/XXXX and re-submitted my PSLF to XXXX. I gave them a month or XXXX but didn't hear anything about it so I tried calling them a few times. I was told 'another department handled those ' when calling and was transferred but either was hung up on somehow or no one answered at that number. 

I was then told MOHELA had my account. I did not want any confusion with the XXXX XXXX 's I turned in so I called and talked to a gentleman representative around XX/XX/XXXX and explained why I had XXXX XXXX submitted in XX/XX/XXXX and the other in XX/XX/XXXX. He put a note in so no one would get confused and knew why they were in there. He let me know my forgiveness would take XXXX business days. I waited XXXX business days and did not see any communication in my online account/portal with them so I had no clue where it was in the process. 

I called in XX/XX/XXXX and was told my XX/XX/XXXX XXXX had been marked as a duplicate despite the note the lady saw clearly in the system that states otherwise and had not been processed. I was told that even though it was their fault/mistake I had to wait ANOTHER XXXX business days and she put another note in there not to mark it as a duplicate. 

In XX/XX/XXXX I called about my PSLF again ( also no clear indication in my online account/portal that they were doing anything with my forgiveness or where it was in the process ) and was told by the same lady who took my call in XXXX that it was AGAIN marked as a duplicate and my forgiveness was again not processed. She told me they now had a XXXX business day policy to expedite the forgiveness when it is their fault. She assured me it would be completed in that time. 

It has been over 2 months and still no word about my forgiveness at all. I was sent a 'sorry we may have messed up your forgiveness here is XXXX for the inconvenience ' letter from XXXX but nothing from them since that. During all this time I had also sent messages through my online account to MOHELA trying to get answers but no answers or forgiveness ( plus they seem to have turned off my ability to send messages or hidden it really well since I last sent them since I no longer can do so ). 

I have also tried to complain to the department of education about this twice the first time they had told me the last XXXX form reported to them was in XXXX. I wrote back stating that both FedLoans and MOHELA stated they had both my XX/XX/XXXX and XX/XX/XXXX XXXX and I wasn't sure why either had not updated them with this information. I have yet to hear back from them on the 2nd email. 

Can someone please help me to get my PSLF from these companies that seem to be purposely denying it?
Product: Credit reporting or other personal consumer reports

Experian continues to knowingly and willfully report innacurate account data and information that was found to be false from XXXX and deleted from the XXXX report. Experian failed to show written proof that I gave my written and verbal consent to the companies that sold and reported my private information and account data to their agency, after I wrote hand written letters to their company along with an FTC fraud report. Experian refused my request to immediately delete the unfair and innacurate info and instead continued to report the unfair and innacurate data which caused me to be denied access to credit which is my right as a consumer. This led to financial loss and missed opportunities to further my business and personal matters. Experian can not and has not shown proof of my consent to report negative account information as well as old addresses and incorrect legal names concerning me which are violations of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus XXXX, TransUnion and XXXX are reporting this account named XXXX XXXX in my credit file. 
This XXXX XXXX account does not belong to me. 
I have disputed this alleged debt/ in my credit file account 3 times. However, the credit bureaus refused to delete it from my file. Instead their reply to my deletion request was verified the account belongs to me. I asked for proof of the validation but was never provided such. I need this account removed from my credit file because it does not belong to me. I also need any information that the credit bureau have from this creditor so I can file this case as identity theft being the credit bureau said they verified the debt was mine
Product: Debt collection

In XX/XX/XXXX, I had a 6 month free trial of XXXX XXXX which I assume automatically renewed onXX/XX/XXXX without my knowledge for an amount sum of {$49.00}. Let me also say that I did not receive any bank statements from XXXX XXXX  at my billing address at the time, so I was not aware that I had accumulated any debt or else I would have paid it back immediately. 

I was contacted on XX/XX/XXXX by a debt collector who made me aware of the fact that I now owe {$300.00} and some change. After calls to XXXX XXXX, they informed me that the excess money owed to the debt collecting agency came from late payments on the account. I called XXXX XXXX, 3rd party debt collecting agency, and they have no knowledge of the initial charge on the account. They also stated that they would be willing to settle for {$210.00} but I declined since the original amount was {$49.00} and they did not send a statement to my billing address to inform me of the amount owed originally. I contacted XXXX today, XX/XX/XXXX,  and they granted a refund to my XXXX account for the XXXX $ since I did not use the prime service at all. Meaning, I should n't be in debt at all since the original amount I owed was a non-intentional and XXXX has recognized this and refunded the original purchase to the XXXX XXXX XXXX. I have attached an email verifying that XXXX has refunded the initial amount due to their error.
Product: Debt collection

An unlawful loan was provided via OppLoansXXXXOppfi per Virginia finance code 6.2-1500 ; 6.2-1501. 
Virginia lending codes do not permit annual apr in excess of 36 % unless the company is licensed through the VA SCC to do so. OppLoans annual apr is stated as 160 %. 
OppLoans/Oppfi is not an authorized lender in the state of Virginia and is in violation of VA lending codes by attempting to circumvent code by providing lending through XXXXXXXX XXXX XXXX which is also not an authorized lender. 
According to Virginia code 6.2-1501 the loan is unlawful and should be fully discharged and not reported to credit reporting agencies
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate collection account reported by XXXX XXXX on my credit report. I have repeatedly requested proper validation of this debt and have provided all necessary documentation to support my claim. Despite my efforts, this account continues to be inaccurately reported by XXXX and Equifax, while XXXX has already removed it. 



Grounds for Dispute XXXX. Failure to Provide Proper Debt Validation : I requested a validation of this debt bearing my wet signature, as is my right under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). In response, XXXX XXXX provided a leasing agreement that does not contain my signature. This does not meet the legal standard of proper validation and demonstrates that this debt is inaccurate and unverifiable. 

2. Inconsistent Reporting : XXXX has removed this account from my credit report after proper review, further confirming the inaccuracy and unreliability of this collection account. XXXX and XXXX continued reporting of this account is inconsistent with the evidence. 

XXXX. Failure to Investigate Dispute Properly : Both XXXX and Equifax are required under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ) to conduct a reasonable reinvestigation of disputed accounts. The failure to remove this unverifiable debt demonstrates a violation of this obligation.

Request for Immediate Action I respectfully request that XXXX and Equifax : Immediately remove the collection account from my credit report due to lack of proper validation and evidence of inaccuracy. 

Provide written confirmation of this removal. 


Supporting Documentation Attached : Copy of my debt validation request sent to XXXX XXXX. 

Copy of XXXX XXXX response, including the leasing agreement without my signature. 

Copy of my XXXX credit report showing the removal of the account. 


This dispute is urgent, as the continued inaccurate reporting of this debt is causing significant harm. Failure to address this matter promptly may result in further legal action or complaints filed with the Consumer Financial Protection Bureau ( CFPB ). 


Thank you for your attention to this matter. I look forward to your prompt resolution. 

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

XXXX had a massive data breach recently showing that companies have the potential to leak millions of customers information. Right now as part of their practices, Experian gathers clients FULL social security number through their telephone prompt. 

This is bad practice and this data is able to be recorded in such a manner that exposes everyone who uses their phone systems to have their social security number leaked. I notified the rep in the XXXX but they seemed to have no regard for the dangers of this matter. This is a ticking time bomb that WILL lead to a data breach as the dial patterns of clients are going to have less security than other parts of their data. Please convince Experian to change how they do business before all this data is leaked.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to request your assistance as a victim of a severe form of trafficking in persons, as defined under XXXX XXXX. XXXX ( XXXX ), or XXXX XXXX  under XXXX XXXX. XXXX ( XXXX ). This situation makes me eligible for certain adverse credit information to be blocked according to XXXX C.F.R. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX / XXXX XXXX XXXX : XXXX / XXXX XXXX BUSINESS TYPE : XXXX XXXX DATE OF XXXX : XX/XX/2021 XXXX / XXXXXXXX XXXX has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.