23daVinci/CFPB_Complaints huggingface dataset:
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 rights to privacy and confidentiality under 15 USC 1681. 
Account name ( 1 ). XXXX XXXX XXXX Account number XXXX Original creditor Account type Child Support Date opened XX/XX/XXXX Account status ( 2. ) Account name XXXX XXXX BANK SS Account number XXXX Original creditor Account Date opened XX/XX/XXXX Account status Closed ( 3. ) Account name XXXX  XXXX XXXX Account number XXXX Original creditor Date opened XX/XX/XXXX ( 4. ) Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX Account type Auto Loan Date opened XX/XX/XXXX Account status Closed ( 5. ) XXXX XXXX XXXX Inquired on XX/XX/XXXX ( 6. ) Business Type : Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX ( 7. ) XXXX OF XXXX Inquired on XX/XX/XXXX Business Type : Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX ( 8. ) XXXX Inquired on XX/XX/XXXX Business Type : Auto Reseller XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX ( 9. ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX ( 10. ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX ( 11. ) XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( 12. ) XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bulk Purchase Finance - General XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX ( 13. ) XXXX XXXX Inquired on XX/XX/XXXX Business Type : Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX XXXX CAXXXX ( XXXX ) XXXX ( 14. ) XXXX XXXX Inquired on XX/XX/XXXX Business Type : Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX XXXX CAXXXX ( XXXX ) XXXX ( 15 ). XXXX Inquired on XX/XX/XXXX Business Type : Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX ( 16. ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Federal Government XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX ( 17. ) XXXX XXXX Inquired on XX/XX/XXXX Business Type : Credit Unions XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX ( 18. ) XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, CAXXXX ( XXXX ) XXXX # Accounts has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 Section 2 : It also states a consumer reporting agency can not furnish an 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 conviction 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 reporting agency if the persons knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

We are receiving phone calls from the collection agency that says I owe money to XXXX a cable company from my old address when we moved we transfered the service to new address until last year and we switched to another company and all the bills were paid off ( they have the old address on file ) I contacted XXXX and spoke to collection department and they said that I do n't owe them any thing. 
I explain everything to this agency and they keep calling and every time it is a pain and waist of time and i am so sick of this situation Southwest collection is the caller from this phone number XXXX
Product: Credit card

Little less than a year ago we started a credit card with American Express. We were told by them that items purchased at a grocery store would be given a 6 % cash back credit. We live within XXXX mile of XXXX XXXX and buy almost all our groceries at this store. After several months we noticed that we only received a 1 % credit instead of 6 %. My wife, XXXX XXXX, and I, XXXX XXXX ( both of us have this credit card ) called them about two months ago to see why we were n't getting the promised credit. We were told that it was a mistake and were given a partial credit for previous charges for the extra 5 %. I recently noticed that for the last two months we were again only being paid the 1 %. The reason, they said American Express changed their policy. Grocery stores that have gas stations no longer are eligible for the 6 % credit. Since XXXX XXXX has gas stations at their stores, that makes the grocery purchases not eligible for the American Express 6 % credit. I explained to them that our local grocery store at XXXX does not have a gas station. They responded that since some of the XXXX XXXX stores do have gas stations that that is how they code all XXXX XXXX stores. I complained that certainly this was n't fair but they refused to change our account to get the full 6 % rebate. Appreciate you help on this unfair matter. Thank you XXXX and XXXX XXXX
Product: Bank account or service

I had XXXX accounts with synchrony bank -a Lowes account, a Walmart account, and an Old Navy account. I always paid on time except one month I was XXXX and I forgot and was late with my Lowes payment. I paid it immediately once I realized the issue, after that synchrony dropped all my credit card balances ( which were paid off with a XXXX balance on all of them ) and they ran my credit score ( hard run so it shows on my credit report ) three times for each card afterwards which caused my credit score to drop!!! This should be illegal and this is the worst scam credit card bank I 've ever dealt with, I have since closed all these accounts with synchrony bank and I advise others to never get a credit card through them -they will destroy your credit score for no reason! I would rather pay cash or use my cash rewards visa than to ever have a credit card with them. Just horrible!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX ( XX/XX/2019 ) ( XX/XX/2019 ) XXXX, XXXX has violated my rights 15 U.S.C1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

If they are unable to provide that proof, or if lacking proof of these payments being late please update my payment history to P.A.A.N.L. status ( Paid As Agreed, Never Late ) according to consumer protection laws. 

XXXX XXXX / Account # XXXX / Update : XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX/ Account # XXXX / XXXX : XXXX XXXX XXXX / Account # XXXX / Update : XX/XX/XXXX and XX/XX/XXXX XXXX XXXX / Account # XXXX / Update : XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX / Account # XXXX / Update : XX/XX/XXXX XXXX XXXX XXXX XXXX / Account # XXXX XXXX Update : XX/XX/XXXX XXXX
Product: Mortgage

Complaint Background On XX/XX/year>, I received an email from XXXX XXXX, a representative of FBC, stating that all conditions for my loan application had been cleared and the necessary documents were submitted for final approval. However, despite this assurance, I experienced further unnecessary requests and delays, as detailed below : 1. Request for Tax Transcripts : On XX/XX/year>, at XXXXXXXX XXXX., FBC requested my e-signature to obtain tax transcripts for the second time. This request seemed redundant and unjustified, as the tax information had already been provided earlier in the process, and a similar authorization had been signed weeks earlier. 
2. Request for Canceled Checks for Rental Income and Six months of Bank Statements : On the same day, at XXXXXXXX XXXX XXXX  XXXX requested canceled checks for my rental income and six bank statements ( XXXX to XXXX ). When I inquired about the reason for this request, I was told that FBC needed proof of the continuation of rental income.

o It is essential to note that FBC had already been provided with the most recent year of signed federal income tax returns, including Schedule 1 and Schedule E, and a lease agreement weeks before this additional request was made.

o FBC failed to specify which regulations or lending guidelines justified the need for additional documentation to prove the continuation of rental income despite having adequate financial evidence. 
XXXX. On XX/XX/year>, FBC indicated a discrepancy between the lease and tax returns rental income and area market rental income and did not respond to requests to describe the disparity in mathematical terms. 
4. FBC did not provide specific guidelines to support the request for six months of bank statements or canceled checks even after several requests were made.

Potential Violations of Lending Laws Despite assurances that all conditions were cleared, FBCs repeated and redundant requests for documentation constitute an unfair and deceptive lending practice. The following issues are of concern : Unnecessary Documentation Requests : Repeated requests for the same documentation or information already provided appear unjustified and may violate fair lending practices under the Real Estate Settlement Procedures Act ( RESPA ) or other federal lending laws.

Failure to Provide Clear Information Regarding Guidelines : FBC failed to inform me of the specific regulations or guidelines that necessitated the additional documentation, which resulted in confusion and unnecessary delays in processing my loan.

Incorrect IRS Payoff Amount : During this process, I also discovered that FBC incorrectly calculated the IRS payoff amount, overestimating it by approximately {$1000.00}. FBC has not explained or corrected this discrepancy, raising concerns about their accuracy in handling my financial data. 
Unjustified Use of 50 % Income : Furthermore, FBC improperly calculated my income using only 50 % of my total income, even though it obtained a recent transcript of amended returns on XX/XX/year>. FBC has not explained why they disregarded the updated financial information provided.
Product: Mortgage

My Mother passed away on XX/XX/XXXX. Her house was sold in XXXX, XXXX. The Reverse Mortgage was paid in full in XX/XX/XXXX. I received an erroneous 1098 the beginning of XXXX, XXXX which showed my Mother paid $ XXXX in interest in XXXX. Actually, it was more like {$7500.00}. I've emailed and provided all the documents to American Advisors Group. No response. Called in. Waited for hours to get on the phone. Finally got another email address. Sent everything again. Email said I would receive a response in a few days on XX/XX/XXXX. Today is XX/XX/XXXX. Nothing! Called again today. Again on hold for several hours to talk to a person who told me he " reached out '' to the person in that Department. That's the person " XXXX '' I spoke to on XX/XX/XXXX. The excuse today is the weather in Texas. 

Now I am scheduled for a call back on XX/XX/XXXX. 

The response time for this company is a joke. My mother complained bitterly while she was alive about dealing with this company. Being put on hold for hours on end. No Response. 

I can not file tax returns. I am forced to leave her bank account open, incurring charges until it can be closed. Have a CPA on stand by. Wasting hour upon hour waiting for a corrected 1098. It is a simple typographical error made by AAG. Legally, the documents were to be provided by XX/XX/XXXX. 

My Mother 's house has been sold, her estate has been distributed and the very last thing to do is her tax returns and they screwed that up and DO NOT RESPOND. I feel very sorry for the old people who have to deal with this agency. 

XXXX XXXX, Co Administrator, XXXX telephone number XXXX XXXX Estate of XXXX XXXX XXXX American Advisors Group XXXX Loan No. XXXX
Product: Credit reporting or other personal consumer reports

I recently applied to my financial institution for a loan, and was advised they were unable to obtain my credit report. They advised me to reach out to Equifax, as this is the credit reporting agency that they use. I reached out to Equifax, and they stated that I would need to mail a copy of my license, social security card, and a note to them. Ive done so, and have checked up several times. Its been 3 weeks with no resolution. They are now telling me I can continue to wait, or mail the documents again. I have NO means of transportation, and am about to begin my XXXX XXXX XXXX XXXX, but have no transportation. I think having to wait 2 months to have an error on their end is unfortunate. Also, I dont understand how Equifax doesnt have a credit file for me, because XXXX XXXX XXXX XXXX has pulled it through Equifax when I got the auto loan about a year ago. PLEASE help! Quickly if possible.
Product: Credit reporting or other personal consumer reports

My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. 

This error has caused severe hard to my XXXX, my XXXX my XXXX XXXX XXXX and to my XXXX I demand the late payment reported in the months that I was late to be removed. 

They are not in compliance with the following law. 

15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting

XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX. 
XXXX XXXX RE : COMPLAINT AGAINST TO ALL CREDIT REPORTING AGENCIES To Whom It May Concern : I am writing to file a complaint against XXXX, Equifax and XXXX because I do not see the efficiency as a prestigious company. 
I just want they erase any inaccurate information and Including phone numbers that does not belong to me I send proof of residence and my birth certificate they can see what my name and how it is written, my American passport ; all the inaccurate information Is doing damage to my credit history. 
I move to the United States " Nebraska '' in XX/XX/XXXX for my daughter education, all kinds of address that appear credit report that does not belong to me, I mentioned my previous address : From XX/XX/XXXX to XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and present address : From XX/XX/XXXX to the present CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have not received the result of the investigation, I am a person that I have medical conditions " XXXX '' I live with XXXX pain XX/XX/XXXX and I want to have my credit record in great conditions in case the health insurance does not cover the expenses. 
I am requesting that you investigate this company and take any appropriate regulatory action, including any necessary referrals to state agencies. It is important that we put an end to these types of deceptive and unethical business practices. 
If you have any questions or need additional information, please contact me at the address listed below. 
Thank you for your assistance. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX AND XXXX HAVE REPORTED A MEDICAL COLLECTION ACCOUNT ON MY CREDIT REPORT WHICH IS HURTING MY GOOD CHARACTER AND REPUTATION. 
THIS ACCOUNT HAS BEEN PAID IN FULL AND PER THE ANNOUNCEMENT ON XX/XX/2022, ALL 3 CREDIT BUREAUS WILL REMOVE ALL PAID MEDICAL COLLECTIONS FROM THE CREDIT REPORTS. 

I HAVE ALSO ATTACHED A SCREENSHOT OF MY BANK STATEMENT OF THE PAYMENT OF " {$480.00} '' FOR THE COLLECTION THIS ACCOUNT IS PAID IN FULL AND NEEDS TO BE REMOVED FROM MY CREDIT REPORT. 

( XXXX ) XXXX : XXXX XXXX COLLECTION ACCOUNT # XXXX ( EQUIFAX ) XXXX : XXXX XXXX XXXX ACCOUNT # XXXX
Product: Credit reporting or other personal consumer reports

Experience has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items, despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Student loan

Deceptive practices and current lawsuit University XXXX XXXX recruiting of military personnel and veterans.deceptive practices and current lawsuit. Grossly mislead and taken advantage of as a XXXX Veteran. I 'm currently involved in a Class Action Lawsuit against University XXXX XXXX.
Product: Checking or savings account

I wanted to open a account at XXXX XXXX and they denied me. I don't know why, the last account I had over a year ago was with Bank of America. I didn't do anything wrong, I didn't bounce a check, I don't owe any money. The account was closed. When they told me a check I received and deposited was scam, .I didn't know it was scam and they got all money back plus what I left in the account. I was appalled the way the bank after and didn't even bother to teach me why the check was bad. Then they lied about closing the account so I closed it.
Product: Credit reporting or other personal consumer reports

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 EXPERIAN 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 noticed inaccurate information on my credit report. listed accounts needs immediate attention regarding deletion due to fraudulent activity and inaccurate information listed below. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ALL ITEMS LISTED BELOW ARE : inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Immediate Removal of Fraudulent Accounts Reinserted Under Different Names Dear Equifax, I am writing to address a serious issue regarding my credit report. As you are aware, I previously provided documentation to dispute and remove fraudulent accounts from my credit file, which you confirmed as invalid and removed from my report. However, I have recently discovered that a collection account, which was previously identified as fraudulent, has been reinserted under different names. Under 15 U.S.C. 1681c-2 ( b ), the law explicitly prohibits the reinsertion of fraudulent information that has been previously deleted from a credit report unless the credit reporting agency can demonstrate that the information was reinserted due to a clerical error, and even then, the consumer must be notified within 5 business days of the reinsertion. To date, I have not received any notification from Equifax regarding the reinsertion of these accounts.

I am requesting that you : Investigate and Remove the Fraudulent Accounts : The collection account that has been reinserted under different names should be permanently removed from my credit report. This account has been previously identified as fraudulent and should not appear again. 
Provide Documentation of Reinsertion : If there is any reason this account has been reinserted, I request a full explanation in writing. Additionally, I request proof that I was notified of the reinsertion, as required by law Ensure No Future Reinsertion : Please confirm that this fraudulent account will not reappear on my credit report and that all fraudulent information has been permanently blocked.

To assist in processing this request, I have enclosed copies of the following documents : Government issued ID, proof of address, original deletion. 
Original Name : XXXX XXXX XXXX As a victim of fraud and identity theft, I am entitled to have fraudulent information blocked and deleted under 15 U.S.C. 1681c-2 ( a ). The reinsertion of fraudulent information without proper notification is a violation of my rights, and I trust Equifax will take immediate steps to correct this error. Please confirm in writing that the requested actions have been taken and provide me with an updated credit report reflecting the removal of these fraudulent accounts. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I recently looked at my credit reports and noticed that US BANK/ELAN FINL SVCS,XXXX .... reported negative marks 30 day lates on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 

According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 
In short, I never received such a warning notice! 

I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by theFTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve