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

XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX The above accounts are reporting on my experian consumer report illegally without my consent and violating the Family Educational Rights and Privacy Act. The XXXX XXXX Rights and Privacy Act ( XXXX ) is a federal law enacted in 1974 that protects the privacy of student education records. XXXX applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). These accounts are also in violation of the Privacy Act of 1974 ( 5 U.S. Code 552a ). This law states that " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. '' I have not given the XXXX DEPARTMENT OF EDUCATION my written consent nor have i given XXXX my written consent to report this information. Therefore I demand that the above accounts be deleted due to the fact that they are illegally reporting.
Product: Credit reporting or other personal consumer reports

I am currently reviewing my Experian Credit Report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX 4. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 7. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 8. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 9. The following personal information is incorrect Account Number : EMPLOYER : XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 The following hard inquiries are unauthorized. XXXX already recgnized these accounts as frivolous and removed them from my report. I need Transunion to follow suit and remove them from my consumer report. 

FCRA section 604 ( provides that XXXX  person shall not use or obtain a consumer report for any purpose unless '' the consumer report " is obtained for a purpose for which the consumer report is authorized to be furnished under ( FCRA section 604 ] '' and " the purpose is certified in accordance with FCRA section 607 by a prospective user of the report through a general or specific certification. *12 FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses.
Product: Mortgage

Wells Fargo Home Mortgage continues to use the United States Postal Service to mail fraudulent statements to me, claiming I owe them over {$200000.00}. I never contracted with Wells Fargo Home Mortgage. They continue demanding unsubstantiated amounts, usually in the range of thousands of dollars at a time. I have written many times asking for verification of this alleged debt and have not received proof they are the holder in due course.
Product: Credit reporting or other personal consumer reports

Subjet : Removal of Hard Inquiry from Credit Report. 
On XX/XX/year>, I received a copy of my credit report from Equifax Reporting Agency and I saw inaccurate information on my credit report. I did not give my consent or my authorization for XXXX XXXX XXXX to run my credit report for any purpose. XXXX XXXX XXXX has violated my right to privacy under the FCRA law. This inquiry is made in error and should be removed from my credit file. I have not applied for credit as I am trying to correct inaccurate information on my credit file. Thank you for your time in this matter. 
Sincerely, XXXX XXXX XXXX
Product: Student loan

I was stunned once I ordered my XXXX, XXXX and XXXX credit reports and found that I was reported as having a late payment on the date below : 90 days past due as of XXXX XXXX and XXXX XXXX, 120 days due as of XXXX XXXX. 

I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently noticed I have been a victim of identity theft, someone has stolen my information and has used it unlawfully without my permission and knowledge. The following is my official statement. On XX/XX/XXXX My information was used to open an account with XXXX, I have not authorized this account nor did I know about this account. This account and two other opened on XX/XX/XXXX with XXXX XXXX and XXXX XXXX on XX/XX/XXXX are also results of my identity being stolen. These accounts where opened by the thief and used by the thief leaving me with the burden of paying them back however these are opened due to identity theft.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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: Credit reporting or other personal consumer reports

XXXX items appearing on my credit report. XXXX and XXXX has done their job and removed the fraud items, but Experian still is reporting XXXX fraud item that needs immediate attention of resolve. Pursuant to FCRA XXXX XXXX - XXXX info is to be blocked within XXXX business days of receipt. I have sent all necessary documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a method of verification letter through certified mail which was received by TransUnion on XX/XX/19 in regards to a bankruptcy that theyre reporting. I intern received a generic letter dated XX/XX/19 that the information they received was verified as accurate and they disputed it again and verified it ( all in a matter of 3 days time ). TransUnion failed to provide proof of the information I requested in my letter as to names of people spoken to, phone numbers and addresses along with documentation they received through a previous investigation. I also stated that an e-Oscar verification was unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I just made a large payment of {$260.00} to my  XXXX  ca rd two days ago online. The amount has been recorded to my account as shown. However that new lower amount due is not showing on my credit report leaving me with a higher, older balance due, larger credit utilization and as such when I pull my FICO score, a lower score. Because I would like to move into another home and become pre-approved, as soon as possible, my chances of the best terms have been and are being impaired do to the latency of the automated system update cycle. I am requesting a forced manual update of my balance to the credit bureaus by validation method as per procedure in FCRA section 623.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent out dispute letters to all credit bureaus : XXXX, XXXX, and Transunion. I have not received any update on the investigation. It has been 32 days since they were sent out and I have not received any updates.
Product: Debt collection

Next month or so I receive a letter from a collection agency saying I owed XXXX to XXXX XXXX XXXX, so I called Agency said I do n't owe I called XXXX & T I was told I 0wed nothing they got in touch with agency and when I called agency back they told me it had all been straightened out and apologized. Then a few days ago I get a letter from The Collection Firm of Franklin Collection Services , Inc Saying I owe XXXX XXXX XXXX XXXX case # XXXX XXXX called XXXX XXXX XXXX I owe nothing today spoke with billing specialist .He told me I had to speak to a collections specialist I got cut-off so I called agency talked this time to a supervisor he said his name was XXXX he said I had to dispute this on there website and also with XXXX XXXX XXXX XXXX Finally I called XXXX XXXX XXXX spoke to a collection specialist she suggested I call credit bureau and have this matter investigated and filed a report. 
Could you help me please, I never had phones I do n't even know phone number Thank you
Product: Credit reporting or other personal consumer reports

The company is shady because we tried to make a payment and because my husband asked for documentation as to why the payment was different they refused the payment altogether. XXXX. XXXX reached out to me she wanted me to come take her the payment when I was in the XXXX  .she said she banned my husband from the store and don't worry about the balance because it she would XXXX  it out .now all of a sudden 4 years later they claim I still owe them money and sent it to collections
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

I want to dispute the bankruptcy entry appearing on my credit report because I believe it contains inaccurate or unverifiable information. After a careful review of my credit report, I have identified discrepancies in the details associated with this entry. Specifically, I question the accuracy of the reported information, including but not limited to the case number, filing date, court jurisdiction, and its association with my accounts. Additionally, I have not received any concrete evidence or documentation to validate this bankruptcy records legitimacy or its proper reporting. 

Under the Fair Credit Reporting Act ( FCRA ), all information reported on a credit file must be accurate, complete, and verifiable. Given that this entry does not meet these criteria, I am requesting a thorough investigation into the matter. If the credit bureau or data furnisher can not substantiate the details of this bankruptcy with verifiable documentation directly from the original source, I ask that this entry be removed from my credit report promptly.
Product: Mortgage

Due to my status as a XXXX XXXX XXXXXXXX veteran, the state of Maryland does not require me to pay property taxes on my home. Therefore, last fall, I requested that our mortgage company, First Home Mortgage, no longer require us to pay into an escrow fund to cover property tax payments to the county where we reside. First Home Mortgage did reduce our monthly payments accordingly in or about XX/XX/2022 and promised to refund the escrow overage within 30 days. We never recieved any refund of our overage, notwithstaning my again requesting a refund nearly a month ago. We are current on our mortgage payments and there are no other issues. However, we believe that the escrow account associated with our mortgage contains an overage to which First Home Mortgage is not entitled, under the law, to withhold from us. I'm attaching copies of my communications with First Home Mortgage.
Product: Credit card

I have a US Bank Visa - business credit card ending in XXXX. It has been replaced at least 2 times. It's full of troubles : XXXX ) Came too late XXXX ) Had some fraudulent claims XXXX ) No way to make the payment after the statement-no way tot know the statement also. 
XXXX ) No way to setup automated payment XXXX ) I have another XXXX credit card ending in XXXX- i have {$18.00} rewards in that. i wanted to transfer rewards from that card into this one. Chatted with XXXX on XXXX XX/XX/year> - nothing can be done. 
XXXX ) they reset my balance. So instead of {$4400.00} it just shows {$740.00} Last week called for # XXXX and # XXXX - nothing can be done. Finally i made a payment of {$36.00} to avoid any fees or penalties. 

XXXX knows how this US bank is working.
Product: Payday loan, title loan, or personal loan

I have paid Ace cash Express a total of {$1900.00} for a loan and now they are telling me that I need to pay another {$830.00}. I have asked for my money back for a month, they said the only way i can get my money back is by paying {$830.00}. I just want my money back, i need it right away. I am not going to pay more to get my money back, it is my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XX/XX/2022 XXXX CO XX/XX/2022 XXXX DC XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

Hi, Im submitting this letter to because Ive been trying to dispute a few late payments on my account due to me enrolling in a payment pprogram with the companies, and they told Me nothing would be getting reported as I get caught up on past due amount due to me having a XXXX XXXX XXXX XXXX. And with my XXXX XXXX I have late payments because the bank reversed it for some reason and as for XXXX XXXX I went and made the payment but it never confirmed for some reason so it caused me to get a late payment because by the time I went in on XX/XX/XXXX it was too late. Then I receive the late payment notification on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In regards to XXXX this is yet again another fradulent statement provided by XXXX in an attempt to coverup their now illegal and criminal acts. 

How much longer is the CFPB going to allow them to stay in business??? 

Keep in mind not only a harm to consumers but also tax evasion. Tax evasion since XXXX originally did not report XX/XX/XXXX and XX/XX/XXXX payment and then charged off this account twice!!!! Another federal non-compliance. 

So, over a $ XXXX tax break in addition to not reporting over $ XXXX in revenue from not updating the balances!!! 

************Violation of FCRA 607, 623, and 609********* FCRA violation is clear since they have reported false information to all three credit agencies for over 1 1/2 years.

Knowingly reported incorrect information to the credit agencies.

This is just another false statement reported to now a federal agency!!! Evidence is beyond a reasonable doubt!! 

Also, please review complaint XXXX from XXXX of XXXX. 

Company 's Response In the case of XXXX XXXX, Complaint Number : XXXX, we have investigated this matter with the full cooperation of the franchise-owned XXXX. XXXX XXXX is disputing the repossession of the vehicle. XXXX XXXX and XXXX XXXX purchased a XXXX XXXX XXXX on XX/XX/XXXX from a franchise owned XXXX XXXX XXXX XXXX in XXXX XXXX, Illinois. The vehicle was covered by a 36-month,36,000 mile service contract, whichever occurs first. XXXX XXXX defaulted on her retail contract, and her vehicle was subsequently repossessed on XX/XX/XXXX. All required repossession notices were sent to XXXX XXXX and XXXX XXXX. Additionally, XXXX has written policies and procedures that govern the repossession process to ensure that every repossession adheres to federal and state regulations. At XXXX we strive for the highest level of satisfaction for every customer. While we sympathize with XXXX XXXX predicament, she did default on her retail contract. The franchise owned XXXX gave XXXX XXXX the opportunity to redeem her vehicle. In addition, XXXX XXXX was advised that once she reclaimed, the vehicle would be evaluated and any eligible repairs would be processed through the remaining service agreement. XXXX XXXX did not reclaim her vehicle and the vehicle was sold at auction, and the proceeds were applied to the account, leaving a deficiency balance owed of {$11000.00}. The account was reported as a chargeoff on XX/XX/XXXX. 

XXXX wrote this response as if it was the CFPB wrote it. This is what the XXXX  XXXX relied on when closing out my complaint. Yet again another fraudulent misrepresentation!!!
Product: Credit card or prepaid card

Please refer my earlier complaint ( XXXX ) about this credit card on XX/XX/XXXX. At that time also this company closed my credit card account for no reasons. After complaint to CFPB they reopened my account. 
Now on XXXX XX/XX/XXXX - they closed my card again. 
I have a credit score of XXXX. Their reasons are weird. It brought down my credit score also. I was provided no notice or warning before Barclays did that. Tried calling Customer service XXXX twice - very very long wait time. After successful verification, call getting disconnected. 
XXXX is a usual offender and nothing can be done against this hopeless company. 
In the COVID-19 outbreak - what this company think that i go out on shopping for their credit card? They are inhuman
Product: Money transfer, virtual currency, or money service

I have submitted a transaction via xoom which was cancelled after I was charged. I received an email saying that I was not debited but I was. I would like a refund as soon as possible.
Product: Credit card

About XXXX months ago I filed a complaint with the cfpb about BMO 's failure to properly respond to a dispute about a purchase of a XXXX  charged to their credit card. The bank on XX/XX/XXXX stated that " the dispute would be handled according to the XXXX guidelines. '' About a week later the bank sent me notice of opening claim XXXX and saying to call them about processing the claim.I called and they wanted a statement from an XXXX  about wiring required to hookup the XXXX  to a XXXXXXXX XXXX XXXX. I requested an estimate from XXXXXXXX XXXX XXXXXXXX dated XX/XX/2024 and emailed it to XXXX which they acknowledged receipt of and telling me they now could process the claim. Now almost 3 months have gone by and nothing further has been done.
Product: Credit card or prepaid card

XXXX XXXX XXXX, my wife and I have been using our TD Bank accounts for direct deposit by our employers, and for about five years, we have also used TD for almost all our transactions. Still, recently, we had a very disappointing experience with TD : On XX/XX/2023, we could use neither of our accounts. 
On XX/XX/XXXX, we went to a TD branch to find the reason. We were told all our accounts were closed by TDs demarketing office and that we would receive a check soon, but they could not tell us why. 
On XX/XX/XXXX, we received letters ( issued on XX/XX/XXXX ) stating our accounts ( including our credit account ) were closed, not explaining the reason. 
On XX/XX/XXXX, TD opened new savings & credit accounts for us. 
On XX/XX/XXXX, we received checks for all our closed accounts. 
On XX/XX/XXXX, after our multiple follow-ups, TD demarketing office called us and said the reason was we had not updated them on identification documents, but now our profile appears fixed and ok. [ Fake claim ; I had never received a notification on the required ID document update, but my wife had received such a notification and had addressed it by walking into a branch in person and resubmitting IDs. ] Despite they caused the closure of our accounts for unclear reasons, and no timely notification, they were unable to guide us on who should repair our credit hit ( due to our credit account closure ). 

Our main expectation is that " TD follows and repairs our credit '' As secondary concerns, we still expect : 1. To know the clear reason ( s ) that TD closed our accounts.

2. To know why after account closure, TD agreed to reopen new accounts for us if TD had a solid reason to close our accounts ( you can see in the notification letter we have determined that we can no longer renew or offer you any new accounts and/or services in the future. ) 3. To know why TD did not use faster notification services like email or special mail.

4. Compensation for the time and troubles we had with our pending payments.