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

In accordance with the Fair Credit Reporting act, the list of accounts below hasviolated my federally protected consumer rights to privacy and confidentiality under15 USC 1681. The accounts below have violated my rights. 15 U.S.C 1681 section602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It alsostates a consumer reporting agency can not furnish a account without my writteninstructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agencymay make any consumer report containing any of the following items of informationAny other adverse item of information, other than records of convictions of crimeswhich antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( a ) Aperson shall not furnish any information relating to a consumer to any consumerreporting agency if the person knows or has reasonable cause to believe that theinformation is inaccurate. Delete the accounts below : 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information is being reported on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX partial account number XXXX ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
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.

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 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 ) (! ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.

I have not given written consent to any agency to report on my customer report furthermore when an investigation needs to be done and the conclusion of the investigation should be provided in writing its never provided yet the companys state that everything has been validated when in fact thats not true. The following inquiries below need to be deleted 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

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 XXXX XXXX Account number : 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: Bank account or service

My Bluebird Amexican Express debit card was suddenly shut down without any explanation. I am unable even to veiw my statements.
Product: Debt collection

Hi XXXX XXXX XXXX XXXX XXXX ; Happy New Year! 
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Three separate collections were reported to XXXX in XX/XX/. These are all related to one medical account, that is now over 15 years old. I disputed the charges with the original creditor at the time, and with a subsequent collection agency 10-plus years ago. This appears to be an attempt to re-age disputed debt by a new collection agency, with a spurious date of delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX account number 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

Unauthorized phone transfers. Unauthorized charges. I will fax supporting documents ( statements ) with checked fraudulent transactions.
Product: Mortgage

We are attending court tomorrow ( XX/XX/19 ) on a order to show cause. Wilmington Bank vs. XXXX XXXX. XXXX County Court House, XXXX. Wilmington Bank is claiming that they bought a note of my property from XXXX XXXX XXXX. Wilmington Bank filed a foreclosure proceeding. To my recollection the loan on the property was paid off years ago.
Product: Mortgage

My mortgage was sold to Shellpoint XX/XX/2020 and I have had nothing but problems. Customer service is terrible and the hold wait is 45 minutes and then you are constantly transferred to people who are not able to help with the problem. Only my taxes were included in my escrow account. I have always paid my homeownwers insurance directly to the insurance company which is XXXX XXXX through automatic withdrawal from my checking account. Shellpoint notified me that they did not have my current insurance information. I emailed the declarations page 3 times ecause they kept saying they did not receive it! They finally comfirmed they receivd it XX/XX/2020. The Declaration page included that my payments were deducted from my checking account. On XX/XX/2020, I wrote Shellpoint requesting cancellation of my escrow account and being responsible for paying my own property taxes and homeowners insurance due to the online and mail statement would always have conflicting information!. My original loan contract with XXXX XXXX did not specify that my homeowners insurance had to be included in my escrow and it was never included in the 14 years that I was with them. To my understanding the contract can not be changed by the new lender. I never heard back from Shellpoint regarding this request. On my XX/XX/2020 statement from Shellpoint, I noticed my escrow payment went from {$130.00} to {$500.00}! Increasing my mortgage from {$660.00} to {$1000.00} an increase of {$360.00}! Upon investigatation it was noted that after I asked to cancel my escrow, Shellpoint paid the full premium of my homeowners insurance putting my escrow in default and causing my mortgage to increase. This transaction has not appeared on any statements. I was finally able to speak with someone at Shellpoint on XXXX XXXX and the rep confirmed that there is no response noted to my request from XXXX and that she would file an complaint. I was told that Shellpoint paid the full amount due to my not sending in the full payment of the increased mortgage. I am not aware of that policy since Shellpoint did NOT notify me of this! I also noted a charge for {$13.00} being added to my mortgage. No one was able to inform me of the reason for that charge. After written requsets and phone calls I was told that fee was for making sure the home was being occupied! When asked how Shellpoint would confirm that and I was told every month someone would drive by the property to make sure it looked occupied! I am currently unemployed and can not afford the additional {$360.00} increase in my mortgage. I continued to make the regular payments of {$660.00} but Shellpoint has not been crediting it to my mortgage but has been holdng it in a " separate '' account. This has put my loan in default and putting me at risk for foreclosure! Doing a forbearance with Shellpoint is not an option since I can afford to pay my original mortgage amount. I do not trust them and they have had over 896 complaints in the last 2 years!
Product: Mortgage

XXXX Mortgage XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. Loan amount {$190000.00} My Re-finance was denied for for no valid reason. Documents were sent multiple times and not recorded correctly. I was promised a Par rate then points were added. It seems that there are time share condominiums in the area but not in the condominium complex in which I own a unit. There are very few units that are rented by some owners. I was told that the title company made this decision but then told that the mortgage company made this decision. There does not seem to be any other issues. No credit issues, no net worth issues, no income issues no, no loan to value issues. Its seems that I XXXX be being discriminated against and /or rates increased and they did not want to honor promised rate. Please investigate. I have never been denied a loan or mortgage in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX BANK XXXX CO ) XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

A formal complaint was submitted. Bank Of America has not responded. Here is the last email that I received from the CFPB. How is the bank allowed to blatantly ignore this verified information, and complaint?? 

We have alerted the company its final response is past due. 
We havent received a final response from the company in the expected time, even though the company initially responded that they were working on your complaint. 

Weve alerted the company that its response to your complaint is now past due and that a response is still expected. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023 PRODUCT Checking or savings account ISSUE Managing an account
Product: Debt collection

Recently, I experienced significant discomfort and pain in my teeth, prompting me to schedule an appointment with my dentist for a thorough examination. After careful evaluation, it was determined that the source of my discomfort is directly linked to a XXXX XXXX, which has been attributed to the use of XXXX XXXX XXXXXXXX XXXX. I have been a customer of XXXX XXXX XXXX and have been diligently making payments for their XXXX XXXX. However, discovering that their product has resulted in XXXX XXXX is deeply concerning and unacceptable. So since the company went bankrupt there is no service they offer to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Utility company XXXX XXXX charged off a utility account under my name and social in XX/XX/XXXX in the amount of {XXXX}. The account was opened in XX/XX/XXXX. I live in California and have never lived in Texas. 
The account is listed on XXXX and Transunion credit reports but may be listed in XXXX as well. 
I disputed the account as " not mine '' with XXXX in XX/XX/XXXX but the account was just updated to " disputed '' but not deleted. 
I called XXXX who advised that it appears to be fraud and I place a Fraud Alert on all three credit bureaus.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed their was inquiries on the report that i did not recognize. I will like the removed from my credit report.
Product: Credit reporting or other personal consumer reports

SEE ATTACHMENTS I am filing a formal complaint regarding my inability to access my Equifax credit report online. Despite repeated attempts, I have been unable to create an account or log in to view or dispute items on my credit report through XXXX online platform. As a XXXX individual, online access is crucial for me to independently manage my credit. I believe this issue may be in violation of multiple laws that protect consumers, XXXX XXXX XXXX XXXXXXXX. 

1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 The FCRA requires credit reporting agencies ( CRAs ) to provide consumers with access to their credit reports and to ensure accurate and fair reporting. My inability to access my credit report denies me the rights guaranteed under the FCRA, including the ability to dispute inaccurate information. 
2. Americans with Disabilities Act ( ADA ) 42 U.S.C. 12101 et seq. 
The ADA prohibits discrimination based on XXXX, including the requirement that public accommodations ( which may apply to certain services provided by Equifax ) provide equal access to services. Equifaxs lack of accessible online access effectively excludes me from its services due to my XXXX. 
3. Equal Credit Opportunity Act ( ECOA ) 15 U.S.C. 1691 et seq. 
The ECOA mandates that all consumers have equal access to credit-related services. By denying me access to my own credit information, Equifax may be indirectly preventing me from equal opportunities to secure credit, which could be considered discriminatory. 
4. Section 504 of the Rehabilitation Act of 1973 29 U.S.C. 794 This law prohibits discrimination based on XXXX by entities that receive federal funding. If Equifax receives federal funding, it may be obligated to ensure that its services are accessible to individuals with XXXX. 
5. Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5481 et seq.

The CFPA grants the CFPB authority to ensure fair, transparent, and accessible financial services. The barriers I face in accessing my credit report may be contrary to the CFPBs mandate to protect consumer rights. 
6. Universal Access to Credit Reports Under FCRA Regulation V CRAs must provide consumers with the ability to access and dispute credit information. The lack of accessible online tools undermines my right to dispute inaccuracies efficiently and keep my credit report accurate. 

For verification purposes, I have attached copies of my utility bill, drivers license, and Social Security card to confirm my identity. I am requesting that the CFPB direct Equifax to address this issue and provide a solution that enables me to view and dispute items on my credit report online. Equifaxs lack of responsiveness to this access issue impedes my rights to fair and equal access and may constitute discrimination.
Product: Mortgage

For 2 weeks consumers who hold loans with lake view loan servicer have not been able to make payments, access accounts, or speak to reps within the company. The company has been hacked and has not reached out to the consumers about the data breach of consumer information. I have not been able to make a payment on my loan for a week already. The company lied to the SEC stating they are communicating with consumers when they are not. This has been going on since mid XXXX of XXXX Other financial institutions have been given communication not to do business with lake view until further notice but yet no one has reached out the the consumers.
Product: Credit card

( XXXX ) I have gone through credit card XXXX. 
I am a victim of the Wells Fargo credit card issue. I had a good credit score. I got a call from a repres there who told me that a credit card for XXXX was being processed for me for. When i questioned the rate it was XXXX first year and XXXX to 28 % afterwards. Things were Not clear. I did not want it. I deserved a better rate with my score and wanted out or a lower rate and it was impossible, i was transferred and put on hold, was told No and ignored. The payments escalated, i paid to avoid my credit being damaged but it was just too much. 
______ ( XXXX - XXXX XXXX XXXX XXXX issue. I always paid them. My balances were fluctuating and i could not get answers. Due to unexpected car repairs i phoned them to just say that the payment would be late and to make arrangements. I was denied. I made payments anyway. Then i received statements showing payments made and then reversed. They could not explain. I kept requesting info and was refused. I kept making payments and in XXXX received a call from XXXX stating that they would no longer accept them. They refused my payments and began harrassing me by phone. XXXX to 30 calls a day. When i told them to stop, they assigned my acct to. XXXX and XXXX. I requested statements etc ..., no info. By accident learned of court date 2 days before. Attorney said show up..guess what? No docs received and no notice of court call. XXXX was not present for roll call and judge said that she could not hear my side. She did not know i was a pre law student who knew better. I was finally able to get a XXXX repres to send me statements nd guess what? Over XXXX was charged ( Identity Theft ). XXXX refused to acknowledge and pursued filing a judgement against me. XXXX had never had problems with me. I paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is still not reporting my mortgage payments. They have not reported payments from XX/XX/XXXX- XX/XX/XXXX. This information need to be updated. It is affecting my credit score. I was told they report payments monthly. But they are no reporting my payments monthly.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXXXXXX XXXX  XXXX BALANCED {$740.00} XXXX  XXXX BALANCED {$1700.00} XXXX XXXX  XXXX BALANCED {$1800.00} XXXX XXXX XXXX BALANCED {$1100.00} XXXX XXXX BALANCED {$0.00} XXXX  XXXX BALANCED {$1100.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX  XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$5400.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00} XXXX  XXXX XXXX BALANCED {$50.00} XXXX XXXX BALANCED {$4200.00} XXXX XXXX XXXX BALANCED {$1600.00} XXXX XXXX  XXXX BALANCED {$630.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX