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

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 I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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

I previous submitted a complaint against Bank of America ; however, the 100 page response didn't address nor verified proof that the Deed of Trust was transferred from XXXX to Bank of America in XX/XX/2011. Nor was their reason for an increase in my mortgage valid. They stated the ( Escrow ) property tax and mortgage home warranty was the reason for the increase in my mortgage ; however, neither increased. Bank of America transferred my loan to XXXX XXXX  without providing them with my loan history, loan documents nor the deed of trust. Therefore, I'm unable to dispute the increase in mortgage with XXXX because they stated they were not provided with any loan from Bank of America. Any assistance is greatly appreciated. XXXX XXXX BOA:XXXX
Product: Vehicle loan or lease

Wells Fargo Auto is currently sending me documents with fake CPI policy numbers and inaccurate dates that policys were placed on my car loan account resulting in delays and payments under the allocation program. On XX/XX/XXXX a care team customer I called at Wells Fargo XXXX XXXX XXXX XXXX denied being from Wells Fargo and advised me that they were a third party co named XXXX who did not have answers regarding any of my account information. 

Wells Fargo will not provide me with the mediation form request so I may obtain mediation outside Wells Fargo. 

On XX/XX/XXXX I was given The Wells Fargo Mediation Group phone number XXXX XXXX XXXX to get help with mediation. The mediation group referred me back to Wells Fargo CPI care team to request a Mediation form as they will not be able to assist me with the fraudulent letters and claims until they receive a Mediation Form. 

Again I called Wells Fargo care teams that are responsible for the allocation payments and was told I am not entitled to the Mediation form and that I must accept the fraudulent letters and they are rejecting my dispute of an inaccurate payment of XXXX and for XXXX. I have provided Wells Fargo Auto and the CPI settlement of a complete payment history of my loan validating over XXXX dollars solely in fraudulent ins premiums fees and int. They have been claiming to fix this error since XXXX. 
Wells Fargo Auto along with Wells Fargo bank are claiming on their website that are addressing the accounts that were wrongfully charged duplicate ins premiums in order to make things right and repay borrowers for money that was demanded unlawfully. full for duplicate unnecessary allocation payments will be distributed amongst the borrowers that were wrongfully charged duplicate CPI insurance policies. 

Wells Fargo Auto Carr teams and CPI settlement will not respond to my emails being sent to XXXX despite claiming to respond within 48 hrs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX because there is an account on my credit report that is being reported as a charge off. I asked the representative if she could tell me the name of the data furnisher and she said XXXX XXXX, now XXXX XXXX is the name of a credit card and it is not an actual company, how can a credit card name be reporting an account? According to the FCRA everything on a consumers credit report needs to be 100 % accurate without any mistakes, I want them to validate this account because I dont dont what it is and where it came from. I want this account deleted from my credit file because every single company name that I have been given starting with the original creditor arent correct, I called the original creditor which is XXXX XXXX and they told me that the account was sold to a company called XXXX XXXX XXXX, then I contacted XXXX XXXX XXXX  and they told me to contact a company called XXXX XXXX XXXX, then XXXX XXXX XXXX told me to call a company called XXXX XXXX and XXXX XXXX told me that they do not have the account with my information, I also received a letter from the original creditor telling me that the account was sold to a company called XXXX XXXX, I contacted XXXX XXXX and they do not have the account, What I would like to know is, how is it that XXXX  and the other credit bureaus Transunion and XXXX  tell me that when I disputed this account it was verified, who verified the account if none of these companies have it? and the name of the data furnisher that appears on my credit report is not a company but a credit card name? Delete this account now because it has not and cant be verified or validated.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is final attempt before filing a lawsuit. You have allowed XXXX violate my right as a consumer. What they reporting is N inaccurate account. There were unauthorized charges made on this card while I was admitted in the hospital for several months due to XXXX XXXX, surgeries and XXXX. I sent a copy report to XXXX. Have XXXX provide a copy of each transaction along with the signature to each transaction. I have been asking for this and they fail to provide it. I cant believe each credit bureau is allowing them to report this account without asking for documents. I would like for each credit bureau to provide me with validated documents and proof of my signature on each transaction with XXXX. XXXX also have cameras they should be able to review their store cameras and see it wasnt me using the macys credit card. This is my final chance next I will be suing for up to {$15000.00} for each entity thats allowing this account to be reported under my credit file
Product: Mortgage

In XX/XX/XXXX we paid XXXX for an Appraisal to get PMI removed. Caliber Homes asked us for more information in XXXX XXXX. They refused to take any information over the phone or by email. So we mailed it in not once but twice. They received the Appraisal back on XX/XX/XXXX or XX/XX/XXXX. When calling to check on the status I was told someone would call me back but they never did. On XX/XX/XXXX after a few calls, I learned they do have everything and our current ratio is 81.3 Percent. It needs to be 80 percent to have PMI removed. Today on XX/XX/XXXX I received a letter from Caliber Homes wanting me to send another XXXX and to start the process all over again. So I called back and again no one will talk to me and was told I am still missing information. That they sent a letter on XXXX requesting that information. But on XXXX I was told all information was there. My current ratio is 81.3 Percent so they should not need any further information especially since I was told everything was there on XXXX. They refuse to call me back and remove PMI. We have been going rounds since XXXX XXXX. Since then our house has gone up and I have a letter from the County assessor 's office that values my house higher than what I was told by Caliber Homes
Product: Checking or savings account

I am filing a complaint against Albert Corporation concerning unauthorized charges related to their Genius subscription service. Despite not authorizing or utilizing this service, I noticed recurring monthly charges of {$14.00} starting from XX/XX/XXXX, until XX/XX/XXXX, totaling {$250.00}. 

Upon discovering these charges, I promptly contacted Albert Corporation to request a full refund for the unauthorized transactions. Initially, Albert Corporation responded by issuing a partial refund of {$89.00} and canceled the subscription. This action was taken as a resolution to the complaint I raised regarding the unauthorized subscription that I explicitly indicated, through the account settings, I did not wish to continue. Despite this clear communication and subsequent cancellation, the partial refund does not cover the full extent of charges incurred over the specified period. 

The dispute centers on the fact that these charges were made without my consent, and the service was neither authorized nor used by me at any point. Albert Corporation 's offer to refund only a fraction of the total amount is insufficient and does not fully address the unauthorized financial impact on my account. 

I am seeking intervention to secure a full refund of {$250.00}, which represents the entirety of the unauthorized charges imposed by Albert Corporation. The resolution offered by the company thus far fails to adequately rectify the situation or align with the principles of fair and transparent billing practices.
Product: Checking or savings account

I opened the HSBC Premier Checking account on XX/XX/2021 via the promotion link similar to this one : XXXX : XXXX XXXX XXXX  On the page, they specify that I can " Enjoy 3 % Cash Bonus, up to {$600.00}, on Qualifying Direct Deposits, up to {$100.00} per month, during the first 6 calendar months after account opening ''. 

Then I do set up my direct deposit using my salary payroll. From the terms " The 6 calendar months from account opening begins with the first full calendar month after your Premier checking account is opened. ", four full months have passed, each month there are {$5000.00} direct deposit into the checking account, but I got no bonus. 

And the customer service told me that I am not enrolled in that promotion, which sounds like a scam. I suspect this may be caused by their identity verification process after my account application is submitted. They might open my account in another way after the verification and my campaign bonus was not tracked.
Product: Debt collection

I was on rent relief. I got approved for rent relief and they sent this property XXXX check the property sent the check back to rent relief and now Im finding out I have XXXX on my credit!!! I contacted pdm to let them know this and they laugh. My credit isnt a game I cant move
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters asking for debt validation for an account that is reporting on both my XXXX and XXXX XXXX consumer report. As a consumer my rights are being violated due to the fact that LVNV FUNDING LLC has not made any attempt to respond by letter or phone with validation of said debt. 15 US C 1692g validation of debts Grant me the right to request debt validation.
Product: Mortgage

My account was written off in XX/XX/2016, in XX/XX/2016 Citi Mortgage got an insurance check for {$60000.00} paying off the account balance of about {$45000.00}. The mortgage company is refusing to tell me where the overage went, or return it to me. XXXX in the foreclosure department told me they sent it back to the insurance company. XXXX, my insurance adjuster told me it was never sent back to them. When I asked XXXX for the amount sent and check number, she said I had to speak to another department, and transfered me to a disconnected number. The remaining balance is suppose to be used to clean up the property, as it was a fire, and total loss, but the structure is semi remaining. 

It seems Everytime I call Citi Mortgage, they transfer me multiple times, and never answer my questions.
Product: Checking or savings account

On XX/XX/2024 I received a deposit of {$50000.00} directly from my attorneys trust account as part of my awarded settlement from a lawsuit I won due to neglect and wrongful death of my mother the next day my account was frozen and I call every day to request info and Im refused answers or help and then hung up on
Product: Credit reporting

I have some accounts on my credit file that Equifax refuse to remove off due to Identity theft. I sent them copies of my police report and ID Theft affidavit and they refuse to remove the items off of my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX  XXXX. Please delete these accounts ASAP.
Product: Credit reporting or other personal consumer reports

The company devslopes took out a loan from climb credit without my consent, and is now saying I owe XXXX. I never took out any loan or received any schooling from this company, that is identity theft.
Product: Student loan

Hello, My name is XXXX XXXX and I had private student loans through Navient earlier this year. I attended a predatory school ( XXXXXXXX XXXX  ) where I have received forgiveness on my federal student loans through the XXXX vs XXXX lawsuit. I qualified for the XXXX XXXX to XXXX through the XXXX vs XXXX lawsuit. I started corresponding with multiple people at Navient in XXXX regarding my private student loans. Even though I was making regular payments, the balance continued to only increase because these were in my opinion " bad loans '' with high interest rates. As a result, I talked to representatives with Navient to include XXXX XXXX the " Unit Collections Manager '' of XXXX XXXXXXXX XXXX at Navient ( EMAIL : XXXX XXXX XXXX and XXXX XXXX 's phone numberXXXX ) starting in XXXX of XXXX. Despite talking to XXXX XXXX via phone ( and over email ) as well as MULTIPLE other Navient employees ( XXXX and XXXX as well who work in that department ). NONE of these Navient employees informed me of other options even though I told them I attended a predatory school ( where my private loans were taken out ) and was approved for XXXX XXXX to Repayment. NONE of the Navient employees including XXXX XXXX who is a SUPERVISOR with Navient informed me that within a couple months ( summer of XXXX ) there would be an option to request a " School Misconduct Discharge Application '' ( see XXXX XXXX XXXXnavientXXXX for more information. ) Because I was never provided this information, I ended up taking out {$21000.00} in my retirement to " settle '' on my private loans with Navient. If I had been provided ACCURATE, HELPFUL information from Navient I would have been told that this program would be beneficial for me to apply for instead of taking out that much money of my retirement. I would like to file a complaint and request that I am allowed to apply for the " School Misconduct Discharge '' for the settled amount ( {$21000.00} ) I paid Navient out of my RETIREMENT because I was PURPOSELY not provided this information from Navient that there were other options or that this program even existed. None of this is surprising given Navient 's recent lawsuit. ( XXXX XXXX XXXXXXXX ) I have TONS of documentation in writing of my requests to get Navient employees to help me with this situation and in none of that documentation did they INFORM me of this School Misconduct discharge program due to attending a predatory school. I will attach this documentation to all the Navient officials as well as my approved XXXX XXXX to Repayment letter from the Department of Education. I am also attaching documentation of my MULTIPLE attempts to get Navient to send me the School Misconduct Discharge application to no resolve. 

I appreciate any help you can provide. Thank you. 

XXXX XXXX XXXX
Product: Vehicle loan or lease

So I was XXXX and reached out to car company regarding the car and payments and the engine went out in the car. After that I had XXXX on my throat. They asked for a replevin I offered to do a settlement of several occasions. They denied. I returned the vehicle. And afterwards they salvage the car. For the same amount I offered XXXX. And still they want me to pay XXXX. And I asked they about the gap coverage. And they denied giving me that info i.p.o by
Product: Credit reporting or other personal consumer reports

I trust this letter finds you in good health. I am writing to bring to your immediate attention a critical matter involving the unauthorized disclosure of my credit information.

As an individual deeply impacted by my upbringing and surrounding environment, the protection of my personal data holds paramount importance. My unique circumstances have instilled in me a profound awareness of privacy and the crucial necessity for consent in the sharing of sensitive information.

Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned.

It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information.
Product: Credit reporting or other personal consumer reports

Attn CFO : XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information Swiss Colony AccountXXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I am herby requesting all above disclosures required by Federal.

Yours Truly XXXX, XXXX ( All Rights Reserved )
Product: Credit reporting, credit repair services, 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/block 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. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$96.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$2900.00} ; XXXX XXXX XXXX XXXX  # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX OF XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

On XXXX IQ data int report a collection on my report for {$560.00} I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists