23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX5 U.S.C 1681 section 602 A . States I have 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

The company XXXX XXXX has extended/opened a line of credit to someone fraudulently opened an account under my social security. This company XXXX XXXX has extended credit to someone listed as me XXXX XXXX with the address XXXX XXXX XXXX XXXX XXXX, PA XXXX. I have never lived or have ever been associated with that address. I constantly send disputes directly with this company and the 3 credit reporting agencies. Each time I dispute this account, the company XXXX XXXX never sends me the documents I requested which are PROOF OF CONTRACT BEARING MY SIGNATURE, AND ANY DOCUMENTS SUBSTANTIATING THE ALLEGED ACCOUNT. This account was open under the address XXXX XXXX XXXX XXXX XXXX, PA XXXX I have never lived there. Each time I dispute this account with the XXXX, Equifax, and XXXX they tell me in writing that they've contacted the company " XXXX XXXX '' and the account is verified and accurate because XXXX XXXX says it is '' All 3 companies are violating of 15 U.S. Code 1681b. Altogether these 3 companies and XXXX XXXX has ignored my request to provide me with the proper documents that they supposedly have stored in their files that were used to Verify the accounts. I am certain that they have NOT verified, and CAN NOT verify this account, and according to Section 611 ( 5 ) ( A ) of the FCRA- You are required to promptly delete all information which can not be verified.
Product: Credit reporting or other personal consumer reports

I am writing to formally request information regarding my account. Please note that this is not a dispute ; I am simply seeking clarification on the following details : 1. The first date of delinquency on the account.

2. The date the account was charged off ( if applicable ).

3. The date of the last payment made on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get the late payments removed from my report on my Mortgage Loan. XXXX has complied ( attached ) however Transunion and XXXX has refused with no method of verification supplied.
Product: Credit reporting or other personal consumer reports

Formally disputing the following inaccurate entries on my credit report. I believe these items do not comply with the requirements set forth by the Fair Credit Reporting Act ( FCRA ), specifically Section 15 us.code 1681o, which holds consumer reporting agencies liable for negligence in reporting inaccurate or incomplete information. 
The following items are being disputed : INQUIRIES XXXX. XXXX  XXXX XXXX - INQUIRY DATE : XXXX Reason : DID NOT AUTHORIZE XXXX. XXXX XXXXXXXX XXXX - INQUIRY DATE : XXXX Reason : DID NOT AUTHORIZE XXXX. SXXXX XXXX  : XXXX Reason : DID NOT AUTHORIZE PERSONAL INFO XXXX. ADDRESS XXXX : XXXX XXXX XXXX  XXXX XXXX, TX XXXX Dispute Reason : INACCURATE INFORMATION. THIS IS NOT ADDRESS ASSOCIATED WITH MY PERSON. 
XXXX. EMPLOYERS : XXXX XXXX XXXX Reason : INACCURATE INFORMATION. THIS IS NOT ADDRESS ASSOCIATED WITH MY PERSON. 

XXXX XXXX [ XXXX ] Dispute Reason : INACCURATE REPORTING AND INVESTIGATION OF LATE PAYMENT. AS WELL AS PERMISSION WAS NOT GIVEN TO REPORT NEGATIVE AND FALSE LATE PAYMENTS. PLEASE REMOVE LATE PAYMENTS OFF CREDIT REPORT AND REPORT AS CURRENT UP TO DATE. 

As per the FCRA, I am requesting a full investigation into these items and their removal or correction if found to be inaccurate or unverifiable. Under Section 1681o, I am entitled to a timely and thorough investigation, and I believe that the listed items fail to meet the standards for accuracy and completeness as required by federal law. 
Please provide me with the results of your investigation, and update my credit report to reflect any corrections or deletions that are made as a result. Additionally, I request that you notify all parties who have accessed my report in the last 6 months of any corrections made, as per my rights under FCRA. 
I am also requesting that you provide me with the name, address, and telephone number of each furnisher of information that was used in compiling these entries, as well as a description of the procedures used in conducting your investigation. 
Thank you for your prompt attention to this matter. I look forward to your response within the 30-day period required by law.
Product: Mortgage

Our mortgage on the property was around {$1500.00} a month. Over the course of last year XXXX first increased the mortgage to {$1700.00} a month citing an escrow shortage of {$11000.00} in XX/XX/XXXX. Due to the increase, vacancies, and a deadbeat tenant, I fell a month behind for several  months. As soon as I got current with the mortgage in XX/XX/XXXX, they increased the mortgage to {$2400.00} a month, citing another escrow shortage of {$9000.00} found inXX/XX/XXXX. 
It did not seem reasonable, logical, or even possible, to first have an {$11000.00} escrow shortage, never mind having another {$9000.00} escrow shortage just three months later ( and as the same time as I had caught up ). At this point, I stopped paying the mortgage. 
The loan was transferred to Loancare who is claiming another escrow shortage of {$4300.00} from XX/XX/XXXX due to an increase in home insurance. They have hired the XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX, RI XXXX ) to start the foreclosure process. 
All of this started after the housing market pulled out of the recession. My building is worth a lot more than what I had purchased it for almost 20 years ago, and is definitely worth a lot more than the balance of the mortgage. I believe this is a clear case of equity stripping. They are just going to keep raising the mortgage until I go under.
Product: Credit card

my XXXX  account online doesnt allows me to add a payment method or set up online payments and im directed to pay via wicker and associates. now for three moments ima. row, XXXX XXXX and XXXX ive tried to call to make payments and shouldnt have had any late payments but now i have not only three months of late payments but also a charged off account. this is because every time i contact XXXX to pay they redirect me to their collections agency zwicked and associates but they continuously say that XXXX XXXX has power of attorney over my file. this is inaccurate and ive told them this for three months as well as contacted XXXX XXXX  to ask how this is being said they say they do not have power of attorney and i know well enough to know i havent ever signed my rights over to anyone else. just as ive stated fr the entire duration of XXXX this has been the case. I call and attempt to make a payment followed by them, refusing to take my payment and saying that they can not take my payment and are not authorized to do so because XXXX XXXX has power of attorney over my file. this is all false and i can not make a payment with them even thought they continue to tell the cfpb they will take payment they will not take payment and my account continues to default DUE TO THEIR refusing to accept. payment due to saying i cant pay j own account. XXXX XXXX does nor have power of attorney. this is false information and continued lies from these predators at zwicker i canams have been attempting to pay my account for three months with no avail as they continue to tell me they cant take my payments unless XXXX XXXX gets involved. they are replying with false information to my claims
Product: Checking or savings account

ongoing issues with USAA regarding debit card disputes with merchants. USAA does not have a way for the customer to speak with anyone in the department that investigates and makes a decision about the dispute. USAA also does not have a way a customer can send additional information directly to that department. You can only upload a document on the " upload document '' feature on usaa.com and it does not allow you provide a description of what's being uploaded. you can only select what department it should go to, i.e. insurance, banking, loans, etc. 
i select banking. 

i had two disputes denied recently by USAA for merchandise i ordered in XX/XX/2020 and had not received when I filed the disputes in XX/XX/2020 over 90 days after the merchandise should have been received. I was notified there was usps tracking info that shows an item was delivered to my address, I told usaa it was never received. I was actually hospitalized on these dates of delivery and my postal carrier routinely does not deliver my mail or delivers to the wrong house. I never received the merchandise and USAA still denied my claim and removed the temporary credit. 

USAA acts as though they look for a reason to deny instead of even calling a customer to get clarification before doing so. 

i now have a new dispute that I filed on XXXX for XXXX and uploaded documents to usaa from the merchant that said the order could not be completed, the email from the merchant and my payment email from the merchant. seems simple, last night i get an email XXXX that they need more information, information ive already provided, information in the documents i uploaded that obviously no one bothered to look at. Again their practice is to find a way to deny disputes, i uploaded the same documents again. 

this seems to be a practice of USAA and if it's happening to me, its happening to other customers as well. 

XXXX for XXXX is still owed to me for merchandise not received for a dispute I filed in XX/XX/2020 that USAA denied. 

XXXX for a XXXX transactions that was done when my account was hacked by someone, login info changed and money sent to XXXX. that I did not do. This was FRAUD I've complained to USAA repeatedly about their inefficient dispute practices and nothing has changed. 

It's also their policy that you do not have to contact the merchant before filing a dispute but they use that as a reason to deny a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a charge for {$24.00} on XX/XX/2019 for the continuity of a premium Experian subscription. I never registered for a premium subscription and only ever used the free subscription services. Experian has my debit card information from when I purchased a one-time credit report for {$1.00} on XX/XX/2019. 
I called Experian about the charge, which occurred on a Sunday ( XX/XX/2019 ), but their customer service office was closed. I was able to use the automated system to cancel my membership and was given a transaction number for the cancellation of my free membership. 
I then called my bank on XX/XX/2019 to submit a claim to dispute the charge. My bank approved my claim on XX/XX/2019 and reversed the charge of {$24.00}.
Product: Mortgage

My mortgage loan is being transferred from XXXXXXXX XXXX to Axos Bank effective XXXX/XXXX/21. My payments are current with XXXX, including the XXXX/XXXX/21 payment which is automatically posted. However, for some unknown reason, Axos transferred my loan to their books at least XXXX months early, and they now think I'm over XXXX months behind in my payments. They have charged late fees which I obviously don't deserve. I have received at least XXXX threatening letters from them. I've tried to call and resolve this issue, but all they say is " Don't worry about it '', then they send more threatening letters. I've never seen a loan transfer get so screwed up. My credit is excellent, but now I'm worried about this impacting my credit rating ( the last letter was a " Notice of Intent to Accelerate '', i.e., make the loan all due and payable now ). Furthermore, I don't want to send them any future payments until their records are correct. Nobody seems to know what's going on ( the last representative I spoke to hung up on me ). In my opinion, a bank this screwed up should be be fined or lose their license.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from Experian to check my credit score as it had changed. I logged on to their website which had notification that my score reduced by 25 points ( literally overnight ). I had excellent credit score and am trying to get a mortgage. My credit was pulled and I expected my score to decrease but not by more than about 5 points as advised by XXXX XXXX XXXX. This information is also on Experian 's website.

Oddly enough, as I was checking on Experian 's website trying to figure out what might have went wrong I was prompted to improve my score with " Experian Boost '' a product they have been pushing. 

I called the number they provided on the website and no one in the office could tell me what might have cause the large drop in my score. I was told I had to get a certified credit counselor. 

I feel that they dont care, how is it that no one in a credit reporting agency that is selling all these products to people has no one in the office to answer my questions. 

Something is very wrong here. They are forcing people to do this " Boost your Score '' and this is very wrong. 
I need your agency to look into this matter. This is gong to affect what I will get for a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

XXXX re-aging of a moot and alleged debt AFTER fallaciously assuring the CFPB that they would 'cease and desist ' on XXXX 2015. This is a massive violation of the FDCPA and FCRA. NOW it has caused me to be harmed and injured by being declined for employment with the XXXX Life Insurance Company. I am currently appealing the declination.
Product: Credit reporting or other personal consumer reports

Transunion unlawfully allowed XXXX systems to report on my consumer report without my consent. I have never been an any written or oral financial relationship with XXXX. I have sent a debt validation to both parties and both have failed to provide any information about this unverified fraudulent debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit because I want to buy a house and saw inaccuracies in my credit report with personal information. There is 3 name, 3 addresses, and 2 previous employers that are inaccurate. On  XX/XX/20, I mailed a letter to Trans Union asking to please make these changes. They did not respond and also did not make any changes.
Product: Credit reporting or other personal consumer reports

Contacted Transunion on XX/XX/XXXX at XXXX and spoke with the Fraud Department about 4 unauthorized inquiries that were on my credit report. The 4 Unauthorized Inquiries are : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I have tried speaking with Transunion and they would not help correct my file by deleting the unauthorized inquiries reporting to my credit report.
Product: Student loan

I submitted required documents multiple times over the last year. Only in XXXX would they acknowledge receiving documents. Emailed documentation was bounced back with mailbox is full I explained this to customer service and was told we can still receive documents when that happens. I mailed and faxed documents which were never posted to my account. My loan status has not been updated to my credit report for months. FH Cann states it is the fault of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX states they are waiting for a green tag from FH Cann. This has been an ongoing problem and I am told each time I call wait a few more weeks.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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 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: Checking or savings account

I had issues with the app for Amazon XXXX  where a memory leak occurred and the app froze. In the end of a transaction where checking out of the virtual grocery store it automatically adds a tip which increases as the total amount of your order grows. I have personally used this on a number of occasions and only give a {$2.00} dollar tip as a testament to my protest against having to make up the shortfall in wages that Amazon pays its drivers. Its not my job to fund their XXXX because their hourly is not enough to eat. Frustrated with having to modify every single thing on the checkout from the type of card ( XXXX  ) to the tip I missed a option. This is the issue that can occur when the app doesnt work and causes you to go back three times. There is no receipt as its virtually addressed by the store offering a suggested tip which I protest giving them {$7.00} plus a fee monthly for the service along with inflated prices on groceries to pay for the service. Where else can they hide the fees? I am asking that Chase change the {$5.00} dollar suggested tip to my normal {$2.00} dollar tip as the app was so problematic that day in completing the transaction that its assumed a keypad error occurred after having to modify the type of card to XXXX and the suggested amount of the tip.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit today and I discovered my transunion and my XXXX  had drop my trans  severely so I look to see what the problem was 1 there's a charge that has been on my credit since 2017 and it's listed several times on my credit 2nd they stated my credit drop because of my credit card use and said it was under XXXX left on it, this confused me because my credit card just sent a text message to my phone of available credit over XXXX, and my payments made on time in a pandemic not working I make my payments on time and my score was drop over 65 points on XXXX  and transunion 31 points this has been a constant problem then I'm offered these extremely high interest rates in anything I purchase, I make my payments on time my copay for medical is XXXX iv filed multiple complaints this has made me ineligible for decent credit for over 3 years I can not but a home because my credit score constantly drops because I'm paying my credit on time, this has become XXXX  and there is nothing that is done, I believe it is racial recrimination in credit reporting companies and minorities are left to higher interest rate no homes and a credit system that is allowed to continue, I check this with XXXX  XXXX  to day and I'm just XXXX  and angered