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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX  Account XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My mortgage contract states that automatic termination of PMI is to be XX/XX/2017. As of XX/XX/2017, my servicer, Bank of America ( BoA ), refuses to take it off immediately. Instead they have told me various confusing things, such as, I have to pay two more months of PMI past XX/XX/2017, or that I do n't have to pay past XX/XX/2017, or I have to pay one more month of PMI past XX/XX/2017. All the while saying they ca n't provide documentation on definite dates and it has to go through more days of review. 

I first contacted them on XX/XX/2017 to find out why the updated amortization schedule had PMI on it for the entire 2017 year. Since then they have continually dragged my case on. I have contacted them six times already with no definite documented resolutions to terminate PMI by XX/XX/XXXX, only possibilities leading to paying more money outside the stated termination date. 

As of XX/XX/2017, I have been told that it can be up to another 14 business days to get my PMI off my account. Conveniently for BoA, the additional " review '' days put me around XX/XX/XXXX, so I am held hostage to either pay XX/XX/XXXX PMI or a late fee ( after XX/XX/XXXX ). There is a possibility, at that time, they may try to drag this out longer, which is a related concern. 

All I ask is that the legal contract we signed many years ago be honored. It states, " If you are current on your loan payments, PMI will automatically terminate on the date the principal balance of your loan is first scheduled to reach 78 % of the original value of the property. This date is XX/XX/2017. '' I am current on my loan payments. Also, I have attached a copy of the PMI disclosure and BoA 's amortization schedule.
Product: Mortgage

TO : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX CC : Wells Fargo Home Equity Solution XXXX # XXXX XXXX XXXX Home Campus XXXX XXXX , LA XXXX I am _______ a natural person whom is seeking assistance with filing a complaint against Wells Fargo Bank of New Jersey . This is about my primary Residence located at XXXX, XXXX. 

This notice is brought before you because a " debt collector '', has engaged in consumer debt collection activities within Wells Fargo Bank of New Jersey, against me. 

Wells Fargo Bank is attempting to collect the debt in relation to a mortgage Note, which they are not the " original lender '' or " creditor '' to whom the debt was owed. In XXXX of, 2013, Wells Fargo Denied my request for permanent Modification of my qualifying loan under the Home Affordability Modification Program which was provided to me by Wachovia Bank of NJ, my original lender. 

I have repeatedly provided Wells Fargo with all my financial information, including bank statements and cash flow analysis showing that the building is self sustaining in it 's ability to repay the Modified Loan Requested. But as of this time, they still refuse to help me save my primary residence. This is a self sustaining rental property, if I receive the Mortgage Modification. 

It is my belief that Wells Fargo is engaged in " Redlining '' for failure to assist me with my property, in XXXX, New Jersey, that I believe qualifies for at least XXXX of the many Federal Programs designed to help borrowers maintain the integrity of their neighborhoods as laid out by the Housing and Urban Development Agency. Therefore I seek your assistance with filing a complaint under Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ), which prohibits " unfair or deceptive acts or practices in or affecting commerce ''. 

I look forward to hearing back from you in an expeditious manner. 


Sincerely XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

My information has been exposed during the data break and according to 15 USC 1681 I have rights to privacy
Product: Credit card

I purchased a XXXX from XXXX XXXX over 6 months ago and opened their citizens pay line of credit. Charged approx XXXX and have been making monthly payments since XX/XX/XXXX. I have been speaking with XXXX XXXX for six months because the delivery continues to be delayed. XXXX XX/XX/XXXX, the. XX/XX/XXXX. Today they told me its delayed again and they can not provide a future delivery date and the manufacturer is no longer in contact with them about the delivery. XXXX XXXX is telling me they can not refund me because I purchased a XXXX and that is considered custom and when I contact citizens pay to file a dispute, there is a recording that says no one is able to take a call about disputes and they are sorry for the inconvenience. I should not have to continue to pay for an item that I will never receive. I filed a complaint with a XXXX XXXX XXXX against XXXX XXXX as well.
Product: Debt collection

Back in 2014 a internet scam company from XXXX had me purchase XXXX products on AMX than send the products to XXXX. AMX was on the phone the whole time approving each transaction and increasing my limit as I told them exactly what was happening. When the product was sent and no money, AMX expected me to pay the amount even though AMX clear the increase in credit limit and was an active participant in the scam
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


DEPT OF ED/XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries below are not mines. 

XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, AZ XXXX BYMAILONLY XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Reseller XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX BYMAILONLY XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX BYMAILONLY XXXX  XX/XX/XXXXXXXX XXXX, XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX BYMAILONLY XXXX XXXX XX/XX/XXXX XX/XX/XXXX Tenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Debt collection

I have previously disputed with the credit bureaus and have not received validation of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union is the company I am writing about. My W2 form went missing in the mail so I froze my credit. The other 2 companies I contacted froze my credit immediately.. But trans union is non responsive to anyone. A company whos sole job is to protect peoples credit and identity who is impossible to get in touch with is unacceptable. 

Thankfully I resolved my issue ... but if you go on their twitter page, you will see lots of frustrated people who get ignored. 

Peoples identity and livelihood are at stake. This company, Transunion, are not taking their role and jobs seriously. This company should be held accountable. Please get back to me if you have any more questions. 

Try to freeze your credit online or over the phone and you should see what I am talking about.
Product: Credit reporting, credit repair services, or other personal consumer reports

Errors from XXXX XXXX XXXX  are being reported on my credit. The reporting information are inaccurate, last 4 of Account # XXXX was reported to the company as fraud and id theft because my cards were stolen from my wallet nothing was never done to help me as a customer and it is still reporting negatively on my credit with inaccurate information.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of {$670.00} with NATIONAL CREDIT ADJUSTERS , L.L.C, NATIONAL CREDIT ADJUSTERS , L.L.C Account Number : XXXX I do not have a contract with NATIONAL CREDIT ADJUSTERS , L.L.C, they did not provide me with the original contract as I requested with my wet signature and ID verification.
Product: Credit card or prepaid card

Bank of America is a financial institution that is violating 15 USC 6801 and 15USC 1681. I have the right to make sure my private information isn't shared. 15 USC 6801 states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Bank of America ( the financial institution ) does not have my consent to furnish this information and under no circumstances do they have my written consent.

15USC 1681 ( a ), specifically items ( b ) which defines the Person ( Bank of America ), ( c ) which defines the consumer ( myself ) and ( d ) 1, defines what a consumer report is.

15 USC 1681 ( d ) ( 2 ) defines what a consumer report is not. In other words, what CAN NOT be included in a consumer report.

( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Bank of America has submitted information to all 3 credit reporting agencies that are now included on my consumer report. These are items that Congress clearly says CAN NOT be included by sharing transactions and experiences between myself and their company. On XX/XX/23 I sent a certified letter in reference to both my accounts, which reflect transactions/experiences solely between their company and myself, and in their letters dated XX/XX/23 they refuse to remove them and closed my dispute.
Product: Debt collection

I am being wrongfully pursued by a debt collector Crawley & Bergmann about a federal judgment made against the net winners of XXXX ( Bell vs. Disner ). They are threatening to put a lien on me if I do not pay. I have no association with this website. My ss # was stolen to open an account with them. 

The steps I have already taken : 1. Opened a police report 2. Filed with identitytheft.gov 3. Frozen my credit I have also sent the debt collectors all the reports as well as a letter stating that they have the wrong person. Regardless, they continue to harass me for payment because of the judgment.I basically need the judgment vacated due to identity theft/mistaken identity.
Product: Debt collection

I am continuing, for my rights for a debt that I do not owe where my income tax, veteran check and pension check is be garnished, my bank account is frozen, I ca n't pay my bills.i still have this company in dispute, they never validated this bill I 've ask them for XXXX yrs, they never did it yet they never call me not once, to prove this bill is mine even though i was defaulted for not going to court. For a bill they will prove I owe.thank you.
Product: Student loan

I co-signed a private loan for my son, the company came after me when he decided no to make good on his promise to pay back the loan, I made payments to Navient but the harassment from them became too much and in 2017 I filed bankruptcy Navient continued to receive payments the five years I was in my bankruptcy, which ended XXXX of this year, Navient sent a claim for {$22000.00} to my bankruptcy, they were paid {$13000.00} as soon as the bankruptcy ended they sent me a bill to restart my payments when I called them for my total amount owed they stated it was {$15000.00} when I asked them how that could be possible first they stated it was because my loans were in forbearance even though they received monthly payments the entire time I was in bankruptcy I filed a XXXX XXXXXXXX the next time I called they said it was 5 years worth of interest rates I knew I would owe something but the amount they are telling me seems a lot higher than what I expected also my bankruptcy trustee also said it was too much Please know I am willing to pay what I owe them, but because they have been so disrespectful and untrustworthy and they will stop at nothing to get you I just do not trust what they say I sent them via fax all the paperwork I have from my bankruptcy showing payments and dates to no avail, if your company can't help me please feel free to refer me to someone who maybe can help me, I totally blame my son for this but I am just trying to clear my name, I am XXXX XXXX XXXX, still working and trying to maintain, I really can't afford to pay them what I don't owe them, I have all my paperwork and will be glad to send it to whomever can help me.
Product: Debt collection

well ... lets see ... ... maybe we should start with there name or entity ... .the entity is the servicer ... ..which can change or be sold ... to many times in the life of the loan ... ..its very tricky to follow all there instruments they file with the recorders ... office ... most inturments are fraud and the enity is clueless to what is the truth of the original note.but they try really hard to figure it out .the home owner will pay thousands of dollars that will never get credited to the loan, they call theses fee s late fees drive by fees ... .the list is endless ... .the public can try to have them give them freedom of information FOLA .BUT GOOD LUCK.i wish I lived in a nuther state then there might be help .do n't ask for help because the gov. will put you on there merrygoround, and you get passed from one robot to the next.now you can chose to pay for help .but that 's just throwing more money away.dont contact anyone in the state while it is election time.i just want one simply question answered..honestly .this does not happen ..I think that a mogtgage servicer with any loan taken out from XXXX to XXXX its inevitable you will be renting and at the mercy of who ever is the servicer by the mad up rules.
Product: Debt collection

LVNV FUNDING is reporting to the major credit bureaus that i owe this debt to them. They also operate under several other companies which one of them is RESURGENT CAPITAL SERVICES.  They have several other companies they try to use and collect these alleged debts. It appears they move the alleged debt around and try to contact me from different companies although it is the same company. They have not sent me any document BEARING PROOF WITH MY SIGNATURE to prove this debt is mine and that I owe them or anyone this debt. They are currently showing this account as closed at one of the credit bureaus and as an open account at two other credit bureaus. These accounts need to be removed from my credit reports completely IMMEDIATELY. Accounts that show CLOSED still causes damages to my credit and is false information to potential creditors. These accounts should have never been reported to my credit report because I have requested validation which they could not provide. I have never had an account with XXXX XXXX. I have requested multiple times by certified letter and these letters are attached with this complaint. I have asked LVNV to verify the validity and accuracy of this alleged account and they have not sent me any proof of a contract or anything with my signature taking claim of this debt. They have sent a computer printout and or statement which does not show any proof this debt is mine. I have sent them multiple Certified dispute letters, requesting documents that show my signature where i signed for this alleged debt. They have not validated or verified this account, they should not report and they need to remove the account from my credit reports completely. They have not provided any documentation SIGNED BY ME that supports this debt is mine and that I owe them or anyone. They still have nothing binding me to a contract. No proof bearing my signature has been made available to me. So therefore the debt needs to be removed from my credit report ASAP and collection efforts need to stop. LVNV is illegally reporting this account to the credit report. The alleged debt needs to be REMOVED from my credit report completely immediately and collection efforts need to stop. Marking the account as closed on my credit reports still causes financial damages and hardship to me and my familiy because creditors still see a collection account which was illegally placed there. They need to be completely removed.I have also contacted an attorney to sue for damages and hardship this has caused me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate a such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXX
Product: Debt collection

I notified Personify that the account was fraudulent and provided them with the completed fraud paperwork and a police report the beginning of XXXX. They continued to call to collect the debt until XX/XX/2022. On XX/XX/2022 they charged off the account and it is now showing on my credit report as a charge off. I did everything Personify requested of me and this account needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under my XXXX, I received a hard inquiry from XXXX, or 'XXXX XXXX XXXX XXXX ' on XX/XX/XXXX There was no address included and I have no idea where that came from. I suspect that it could be potential fraud or identity theft. 

Under TransUnion, I received two hard inquiries from XXXX named 'XXXX ' onXX/XX/XXXX,  and another from XXXX named 'XXXX XXXX XXXX ' onXX/XX/XXXX. Again, no familiarity with these two. 

From what I recall, I opened several credit card accounts back in XX/XX/XXXX and XX/XX/XXXX, closing one with XXXX XXXX because I did not want to use it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didnt approve of this transaction that was made by the cashier!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email alert from XXXX that I had two ( 2 ) recent credit inquiries that I did not authorize. Both were considered soft inquires, but it is still unknown if account was opened in my name without my permission. 

The first occurred on XX/XX/XXXX by Check into Cash at ( XXXX ) XXXX in Tennessee and the second one occurred on XX/XX/XXXX by XXXX XXXX. I know the XXXX XXXX has been investigated in the past for this. 

Check into Cash is looking into this matter and because of the known past history of the XXXX XXXX, I did not contact them.