23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our mortgage is services by ASC aka Wells Fargo and should be a fixed rate mortgage. In XX/XX/XXXX my husband was laid off and we began to have financial troubles. In XX/XX/XXXX, I filed chapter XXXX bankruptcy to save our home. Over the course of the next five to six years I paid over {$30000.00} in the bankruptcy case. Throughout this time and process we have request both payment histories and a history of the escrow account. For the past two years, I have periodically request this info time and time again. My bankruptcy attorney even provided them a release letter so that they could discuss this info with me. Our reason for this is that we wanted to make sure the money was being applied appropriately so that when the bankruptcy ended we would be back on track. Well this has been a struggle to say the least and to this day I have yet to receive any of the info I have requested regarding my mortgage. My last communication with ASC was on XXXX XXXX, XXXX via phone. This time I was told that the payment history and escrow info for my account is stored in microfiche ( yes microfiche in XX/XX/XXXX ) and they were having a hard time gathering the info for my account. I am not sure of what our balances are at this point and although ASC ca n't provide a history of the transaction on my account they have told us that we are still owe them approx {$14000.00} to {$15000.00} dollars. We are not currently in foreclosure as we have tried to modify our mortgage but was denied because they said our monthly mortgage expense is {$630.00}. However, our monthly mortgagpayment is {$820.00}. I am at a loss now and need help. We desperately need to see our account information to be able to make an informed financial decision regarding this mortgage but are not getting any details from this company. How can that be? I thought they had to legally provide us with at least a history of the account when requested? Please advise.
Product: Credit reporting or other personal consumer reports

I have a credit card with XXXX XXXX XXXX  that is called XXXX XXXX card. This card charges monthly, whether it is used or not and I have never used the card, nor have I ever even activated the card. 
In XXXX, I received a credit notification that I had a late payment on this card. I pay all of my bills based on receiving a paper bill and had not missed any bills. 
I called the number on the back of the card and was notified that they had changed my billing to an email address. The email address was not correct and I had not given permission to do so. 
The operator stated that if I made the payment immediately, I would not have a late fee and a statement would be mailed to me and all subsequent billing would come via mail. 
I was more concerned with the credit showing a late payment and they told me there was not a way for them to rectify unless I disputed with credit agencies. 
I have disputed with all three agencies twice and they are not removing the XXXX day late. They also have charged me the late fee since I added the card to automatic payments and I have not once received a paper bill since. Also, I am still not receiving any email billing as I do not have whatever email they are sending to, if they even are. 
I want to rectify this prior to canceling this card, although this is just costing me more money every month even when not using. 
I consider this as fraudulent activity as I never authorized this billing change, which then activated late payment penalties and personal credit to be lowered.
Product: Credit reporting, credit repair services, or other personal consumer reports

The new issue I have with the Credit Bureaus ' is the following. 
1 : The previous home address was XXXX XXXX XXXX XXXX XXXX MA XXXX. 
The credit agencies report XXXX XXXX XXXX XXXX - This has been corrected by me multiple times. The problem was the developer of the new condo association and the Post Office were in disagreement over the numbering system for the new complex. 
It was decided in XXXX, that the address will be XXXX XXXX XXXX XXXX XXXX MA XXXX. 
2 : My parents address, keeps showing up on my credit reports XXXX XXXX XXXX XXXX, XXXX MA- Every time I try to get it deleted ; it is put right back on the reports in a month. 
3 : My Middle Initials should be in capital letters- ( XXXX ) not XXXX- This problem persists even after I have sent the official US passport info with the correct captilaized initials. 

4 : I have attached to this report- XXXX report showing the changing of dates for profit/loss dates. They do not correspond to the charge dates. As you can see from my previous complaints about the XXXX accounts. 
The XXXX accounts are held by the their subsidiary - XXXX XXXX XXXX ( XXXX ) located in XXXX MA. 
These issues with XXXX have been on going, as I have shown the CFPB investigators over the past several years. 
I will be speaking to local law enforcement officials in XXXX MA this week over this matter.This issue with the accounts being manipulated in the manner they have manipulated has been going on for so long that it must an individual at XXXX who is manipulating the accounts. It is unlikely it is random- The name that shows up at XXXX is the following : XXXX XXXX XXXX In my letters to the CFPB officials ; and through the my Federal civil case against XXXX it has been confirmed that there has been " third party '' in not only harassing me through credit reports but to also harm financial stability of my companies located in Massachusetts XXXX 

In process are detailed letters to the CFPB through regular US mail ; detailing " Control Fraud initiated and executed by XXXX XXXX executives '' CFPB investigators will need to move quickly on getting warrants for arrest for XXXX XXXX, Senior, XXXX XXXX XXXX ; XXXX XXXX. XXXX and XXXX XXXX XXXX XXXX.
Product: Checking or savings account

I did NOT authorize the {$80.00} charge, nor did I give permission for anyone to authorize this transaction. Additionally I filed a police report as well since my device was in fact stolen and other cards were also used.
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 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 The Fair Credit Reporting Act ( FCRA ) emphasizes the importance of consumer reporting agencies acting fairly, impartially, and respecting consumers privacy rights. XXXX and XXXX fall into this category, and as a consumer, I have the right to protect my private information. The FCRA ( 15 USC 6801 ) also places an obligation on financial institutions to safeguard customer privacy and confidentiality. 

According to 15 USC 1681 section 604a ( 2 ), consumer reporting agencies can only provide consumer reports with the written consent of the consumer. Neither XXXX nor XXXX, nor the entities furnishing information to credit agencies, have obtained my consentwhether verbal, written, or implied. 

Furthermore, 15 USC 6802 ( b ) ( c ) requires financial institutions to inform consumers about their right to prevent the disclosure of nonpublic personal information to third parties. However, I was never informed of this option by the entity providing information to credit agencies.

Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in consumer reports without proper authorization. XXXX and XXXX compliance with this provision is questionable. Similarly, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies.

Lastly, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to prevent violations of the FCRA. Unfortunately, it appears that XXXX and XXXX may not be fulfilling this requirement. 

In summary, XXXX and XXXX actions appear to violate various provisions of the Fair Credit Reporting Act and related regulations. As a result, I am opting out of their reporting services.
Product: Money transfer, virtual currency, or money service

I have used XXXX XXXX XXXX XXXX, XXXX XXXX to transport a XXXX XXXX from XXXX to the XXXX for me on XX/XX/year> through the XXXX XXXX. The agent I was working with gave me a quote of XXXX when I made contact with her, when this agent then recieved my goods this agent increases price by {$1000.00} making price about {$3300.00}. Because they failed to disclose hidden fees and the agent has stated that she needed to " meet '' her quota for sales because she was far behind. This deceiving technique this agent performed left me stuck without a solution because they agent told me increased price 2 days before shipment was to leave. I have been begging and pleading with this agent to release my goods that I have paid for and that I needed to perform the payment through the XXXXXXXX XXXX XXXXXXXX insure my money was safe, this agent began to export and threaten that they would not load my goods and they will add additional fees if I didn't pay their person buisness account, not go through XXXX. I had no choice but to do this or I would have been stuck in a situation I could not afford as a new small buisness owner. This merchant has a XXXX operating bank and my goal with this complaint if to make sure that this bank account gets flagged for scams and fraud.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX 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 XXXX XXXX XXXX  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

My credit score has not improved very much even though I have a long credit history, ( XXXX ) years. I make weekly payments on my credit cards, my credit usage is always under 30 %, and I never make late payments.. I have had my credit score drop at times for no justified reason at all without explanation. My score should be in excess of 800, if the credit reporting agencies along with the credit card companies were reporting my information accurately I am requesting the CFPB do a thorough, and address my concerns fully. Thanks in advance...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reports to credit report that the amount written off as {$6000.00}. The ending principal balance after accounting for all fees was {$5400.00}. I have attached XXXX 's payment history as verification of the discrepancy as well as how it appears on my credit report. I also attached a copy of a letter they recently provided me that said the blance should have been {$7000.00}. There are so many discrepancies with this account. The information XXXX is reporting there is no way it can be correct as they have sent me different letters stating different things, and none of it matches. There is not one item that matches on the explination of fees page with the transaction history or my credit report. This account must be removed as it is not 100 % accurate, and I'm not even sure we can trust thier validation of anything, since they cant even decide what the balance was or should be at the time of charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously requested Reinvestigation be done on these accounts because it was not done accurately. These accounts can not have been properly investigated because these accounts can not be both Opened and Closed. That's why I'm asking for a reinvestigation In Accordance With the Fair Credit Reporting Act : XXXX Account # XXXXXXXX XXXX Account # XXXX my federally protected rights are violated and these accounts need to be deleted. 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, which i did not give them. 15 USC 1681 Congressional findings and statement of purpose. 1681i, Procedure in case of disputed accuracy. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ; ( 5 ) Treatment of Inaccurate OR Unverifiable Information ( A ) In general, If, 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 or 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. 15 U.S.C. 1681i, Procedure in case of disputed accuracy. ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( d ), the person that provided the information in dispute to a consumer reporting agency shall ( iv ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency and correction to that information that is necessary to make the information provided by the person accurate. These accounts are not accurate and I need them deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 713,719, I presume that no debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting or other personal consumer reports

I am writing for XXXX ( XXXX ) reasons : XXXX. To dispute certain information in my credit file ; and XXXX. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( XXXX ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information
Product: Student loan

I'm still in school and scheduled to graduate with aXX/XX/XXXXdegree in XX/XX/XXXX from XX/XX/XXXX. The issue is that XXXX XX/XX/XXXX XXXX First Mark Services ) is expecting my repayment of the loan to start in XX/XX/XXXX. They are constantly calling my co-signor daily asking to pay for payment, that according to them it is due now. My co-signor is a XXXX XX/XX/XXXX who is very busy with her patients. 

I have called numerous times to have them fix this issue, which looks like a minor issue with their system. I have also asked my university to send verification for my graduation date. They did that on XX/XX/XXXX via an email to customer support. Whenever I call, they say it shouldn't be an issue going forward, but the harassment calls have not stopped. I also, added my father so he can speak to a manager as my co-signor or I do not have time for long waits. My dad did call yesterday and spoke to a manager by the name of XXXX and she said that all is resolved and they have also received confirmation from my university. My dad also asked to send an email to me and the co-signor confirming everything is resolved at their end. So far we have not received any email from the manager. 

Seems like one department does not talk to the other and they are too lazy to correct the issue with the collection department. The issue is where it was 4-5 months ago. 

I'm forced to report this else whereas I'm running out of options. I did see multiple complaints about First Mark on XX/XX/XXXXsite with similar issues to mine Please help!
Product: Debt collection

Rash Curtis and Associates is trying to collect a debt that has passed the Statute of Limitations in California. This was a charged off account by the original medical facility.

The FDCPA, or fair debt collection protection act, says this has to stop being reported to the collection agencies.
Product: Vehicle loan or lease

Received an email today, Saturday XXXX/XXXX/XXXX ( Holiday Weekend ), that my car payment is due in 5 days but also that the online pay and phone pay systems have been shut down for maintenance and will not be opening up back up until after my bill is due. I also probably wo n't be able to mail in on time because of holiday schedule, unless I pay extra for expedited shipping, plus I already threw out my bill because I always pay online through a 1-time ACH. This seems like a very underhanded move to get people charged late fees and to put blemishes on their record. I 'm shocked that this could even be allowed. I have paid on time/early on every payment since the loan started. This is completely ridiculous that a financial company can act this way.
Product: Debt collection

I was contacted about debt collection by Central Portfolio Control ( XXXX ), XXXX XXXX XXXX. A merchant I dealt with mislead me about their services, then when I disputed it with my bank, they created false charges and sent those to a debt collector as retaliation.
Product: Debt collection

Valor Intelligent Processing is collecting a debt from XXXX. They say they are a XXXX party collection agency for XXXX, they told me they could settle the debt but they wouldn't let me pay for delete. When I questioned it they said things like, we can help you fix your credit if you pay this off today. I wish you would request the phone recording because what they did was either bad or in a very dark part of the grey area. Oh
Product: Debt collection

Medical debts not owed by me.. I have repeatedly tried disputing these medical debts through reporting agencies and through credit bureau and have not been able to resolve these debts in order to fix my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed through my credit monitoring there are inquiries on report that I did not authorize. XX/XX/2023 it was added to my credit report an inquiry that I did not do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiries I did not authorize someone is applying for things in my name and the creditors are not investigating. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

I noticed unverified and unauthorized inquiries on my credit report. I would like them removed immediately. 

XXXX XXXX XXXX ( XX/XX/2022 ) XXXX XXXX XXXX ( XX/XX/2022 ) XXXX XXXX XXXX XXXX XX/XX/2022 )
Product: Credit reporting or other personal consumer reports

15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of the receipt. It has been 30+ days and they are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN
CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 

XXXX XXXX XXXX- -- -> Account Number : XXXX Charge off/closed account : {$5900.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Charge off/ closed account : {$79000.00} 3. JPMCB CARD SERVICES XXXX XXXX XXXX XXXX XXXX XXXX ) Collection/charge-off : {$8300.00} Account Number : XXXX XXXX. JPMCB CARD Account number : XXXX Collection/closed account : {$0.00} Did not consent to unauthorized inquiries below, the inquiries were not authorized. 
Creditor Name : XXXX XXXX XXXX XXXX XXXX ) Date of inquiry : XX/XX/XXXX Creditor Name : XXXX XXXXXXXX ( XXXX ) Date of inquiry : XX/XX/XXXX Creditor Name : XXXX XXXX ( XXXX ) Date of inquiry : XX/XX/XXXX Creditor Name : XXXX XXXXXXXX ( XXXX ) Date of inquiry : XX/XX/XXXX Creditor Name : XXXXXXXX XXXX XXXXXXXX ( XXXX ) Date of inquiry : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXXXXXX ) Date of inquiry : XX/XX/XXXX Creditor name : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ) Date of inquiry : XX/XX/XXXX Creditor Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX of inquiry : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX ) Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXXXXXX ) Date of inquiry : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXXXXXX ) Date of inquiry : XX/XX/XXXX Creditor NamXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Date of Inquiry : XX/XX/XXXXXXXX XXXX