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

In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report i noticed several inaccuracies regarding my student loans.On XX/XX/2016 closure of XXXX XXXX XXXX colleges where closed by the department of education due to reporting and lack of information they were mandated to keep XXXX XXXX where i attended took out several loans without my knowledge.clearly fraud was committed at this school.
Product: Mortgage

Wells Fargo Continues to proceed with a house foreclosure even though they have required documents showing that the house has been sold with a closing date in XX/XX/XXXX or XX/XX/XXXX. I have the sheriffs office calling me and serving me with papers as well as calls from others. Hundreds of attempts have been made through written and voice correspondence which are virtually useless because they always seem to fall into the hands of someone who " does n't have the authority '' to do anything about it. They refuse to give the real estate company a loan payoff amount so that accurate calculations can be made by the real estate company. Yet - at the same time - fee after fee after fee is being charged including forclosure attorney fees and there isnt even going to be a forclosure. THE HOUSE IS SOLD!!! But you ca n't get that through to them.
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. ONEMAIN FINANCIAL Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Product: Debt collection

Pinnacle Credit Services , LLC located at XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX mailed me a fraudulent XXXX Tax Document which is bogus as I have never contracted with this company.
Product: Mortgage

Email sent to Equity Prime Mortgage XXXX XXXX XXXX. 

Good afternoon, I am following up on my Escrow refund check originally sent to me on XXXX XX/XX/2023, and resent XXXX XX/XX/2023, with the same check number listed below. As of today, XXXX XXXX XXXX  I have not yet received my check. 

Loan Number XXXX Check # XXXX {$890.00} XXXX XXXX XXXX
Product: Mortgage

I paid off a loan over three years ago with Citibank, they are reporting me late every month for the last 3 years since been paid off and filing a satisfaction. I have called there and submitted documentation numerous times all of which gets " lost '' : I was provided a confirmation number of XXXX and was told that they would get back to me. This has been going on for over a month and I have been hung up on and given numerous wrong telephone numbers to departments that all claim they are not handling the issue. All i ever asked for is a letter to simply state that I was not late on my mortgage. I am paying a late fee everyday on a purchase contract that I am unable to close on while i wait for them to complete their investigation for an account this states its paid in full when you call them, I have sent them the satisfaction they filed.
Product: Debt collection

i sent y initial dispute XX/XX/2021, i sent an additional dispute once i received a response from the credit bureau stating the debts have all been verified. I then proceeded to sending a 609 letter XX/XX/XXXX, in which i never gotten a response back from the Equifax buearu at all. It has been well over XXXX days. ( i have receipts ) All mail was delivered and recieved because i sent them all certified mail. This is in violation of us title 15 1692g and 1692e. I also just sent them my police report for identity theft. Please esculate this manner
Product: Debt collection

On XX/XX/year> i purchased a plane ticket in error ( twice ) for {$640.00}. I used PayPal pay in XXXX for both. I immediately called XXXX and they issued a refund to the same account used in the transaction which was Paypal 's travel.card for the pay in XXXX purpose for XXXX of the tickets. Paypal never creditted my account for the refund AND continued to charge me for thr pay in XXXX plan. I paid all {$160.00} payments in good faith. In addition to the {$160.00} for the second {$640.00} ticket. I submitted a dispute with paypal. They refused to credit me back for the payments for the ticket refunded. And when I went to my bank to reverse charges paypal used tactics to say I had a bad debt.
Product: Credit reporting or other personal consumer reports

According to Section 605B of the Fair Credit Reporting Act ( FCRA ) gives consumers the right to request that credit reporting agencies ( CRA ) block the reporting of information on their credit report that was the result of identity theft. Because of the Data Breach, my information has been found on the dark web causing several FRAUDULENT ACCOUNTS on my consumer 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 These Accounts are due to the Data Breach, therefore they should be removed immediately from my consumer report. 
XXXX XXXX XXXX... PROMOTES THE ACCURACY, FAIRNESS AND PRIVACY OF PERSONAL INFORMATION..
Product: Credit reporting or other personal consumer reports

My Name is XXXX XXXX ... ... ... ... ... ... ... ... ... ... ... ... .Upon reviewing my credit file on TransUnion XXXX sent by the bureau on XX/XX/XXXX at my residential Address -- XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ...... There has been a reporting of fraudulent account on my Credit file ...... I got 2 reports from TransUnion Credit Bureau with same file number - XXXX on same day XX/XX/XXXX but with different date of births and different membership periods ... .... My date of birth is XX/XX/XXXX ... ... .. and I have membership with TransUnion XXXX XX/XX/XXXX ... ... ... ... ... ... .... The Account on the wrong report is XXXX XXXX XXXX XXXX # XXXX ... ... ... ... ... ... ... ... ... ... ... ... ..... Please remove this whole account as well as the wrong report on my name with date of birth listed as XX/XX/XXXX ...... The company XXXX XXXX XXXX is fraudulently reporting with wrong information to TransUnion Credit Bureau ..... Please remove this inaccurate information from my credit ... ... ... ... ... ... ... ... ... ... ... .... TransUnion Credit Bureau is also at fault at this ... ... ... ... ...... I have attached my photo ID, SSN card, FTC complaint, the correct credit report as well as the wrong credit report with this complaint ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... -..- ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ..... I have talked with company representative XXXX on XXXX .... email is XXXX ... ... ... ... ... ... ..... 

For any further assistance please reach out to me XXXX XXXX on XXXX, email XXXX XXXX
Product: Student loan

I requested a refund three weeks ago and everytime I call to check the status they say that is still processing. I want my account to be open and the money refunded as soon as possible.
Product: Debt collection

I contacted Receivables Performance Management ( RPM ) by phone regarding a XXXX debt on my credit report. The first mistake, the collector verified just my name, then begin to initiate collection efforts. I advise collector, shouldn't you ask more of my information to identify me and I asked her where is the mini maranda and are you collecting on a debt .She then began to verify authentic identification. Due to her unprofessional approach, I felt uncomfortable. So I asked to speak with an supervisor. She transferred me to another woman. When asked if she was a supervisor, she said she was not. At this point, I just wanted, what I am asking for. I advise the woman, I am unaware of this debt, and requested a validation letter along with an itemized statement sent U.S Mail. 

In addition, I've received a letter verifying the company. But have not received an itemized statement. In fact, it was a blank statement. ( Please review attachments ) .because of the unpleasant conversations, the failure to properly handle confidentiality of my personal information, and the unprofessional conduct. I am going nowhere with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$11000.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$370.00} Status Account charged off. {$37.00} FCRA violations : inquires not mine XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Some companies are reporting me as late even when I'm not that's why I want you to look at the documents that I've attached.
Product: Checking or savings account

If a bank can change its fees at any time, without its customers knowledge or consent, then a bank is free to take as much money as it wishes out of its customers accounts at any time. Thats how Bank of America took {$170.00} from me. 

I have a checking account with Bank of America. I was told that there would be no fees in this account as long as there was a balance of {$2000.00}. In XX/XX/XXXX, I withdrew some funds, leaving about {$2100.00}. I made no further withdrawals until XX/XX/XXXX. For years, I had been charged no fees. Starting in XX/XX/XXXX,  Bank of America began charging me {$25.00} every month. They made this change without notifying me, and therefore without my knowledge or consent. If I had known, I would have acted to avoid these charges, probably by closing the account. I do not receive paper statements. Since I wrote no checks during XX/XX/XXXX, and I had no reason to believe that Bank of America would start taking my money without informing me, I saw no reason to look at bank statements online. As a result, I did not find out that they had taken my money until I went online on XX/XX/XXXX. By that time, Bank of America had removed {$170.00} from my account. I called Bank of America that day. In that call, the operator confirmed that Bank of America had not informed me that they would suddenly start charging fees, and she had no explanation of why the alleged fees changed in XX/XX/XXXX, but she refused to pay the money back. 

I was told that Bank of America would investigate, and I should wait for a letter with the results. The letter says no bank error occurred when assessing the Advantage Monthly Maintenance Fee on XX/XX/XXXX through XX/XX/XXXX. The letter does not even attempt to explain why there had been no monthly fee in the months before XX/XX/XXXX, or why I was not informed that this would change starting on XX/XX/XXXX. In other words, they asserted without any evidence or explanation that they were right, and refused to examine the problem. I then closed the account.
Product: Mortgage

I have been attempting to get a mortgage modification / assumption for XXXX months. I am a confirmed successor in interest for the mortgage my XXXX  fiance had on our home. Wells Fargo has continually stalled the process - issuing new demands for more ( or the same ) information each time the 30 day required review period was about to run out. They have repeatedly failed to properly review my income information and are again demanding bank statements which will show nothing regarding my income. And they refuse to give any indication that this would be the last request. 

I also requested XXXX XXXX to intervene. Wells Fargo provided the same misleading statements to them, and XXXX XXXX failed to correctly apply their own criteria for establishing income.
Product: Credit card

On my most recent Citi Costco Visa statement ( ending XX/XX/XXXX ). I noticed the following charge : XX/XX/XXXX RETURN CHECK FEE - XXXX {$30.00} I immediately contacted my account for 2 reasons ( 1 ) I don't pay by check ( 2 ) and my account was not late as my autopay kicked in on time. 

When I contacted Citi they said it was for a return of my Autopay. I looked at my Bank account and there were no rejects on my checking account for Autopay. The rep I was having a chat with was saying that even though it took I still get charged since the 1st time got rejected. I don't see how you can get charged for a fee when something goes through esp when my bank ( XXXX ) says there was no rejection. Additionally from a Treating Customers Fairly perspective the actual 'fee ' they put on my statement is misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the following inquiries so please remove them expeditiously. 

XXXX XXXX, XXXX XX/XX/20 XXXX XXXX XX/XX/20 XXXX XXXX XXXX XXXX  XXXX  XX/XX/20 XXXX XXXX  XXXX  XX/XX/20 US SM BUS ADMIN ODA XX/XX/20
Product: Credit reporting, credit repair services, or other personal consumer reports

I am working with Equifax and XXXX to resolve an issue with XXXX XXXX, the loan servicer who bought my student loan from XXXX XXXX in XX/XX/XXXX. 

I have been paying XXXX XXXX XXXX XXXX  monthly since XX/XX/XXXX. This is the only account I need to make payments on, and my credit score has not improved despite my timely payments. After going back-and-forth with XXXX XXXX personally and filing disputes against them through Equifax and XXXX throughout XXXX, one of XXXX customer service agents finally disclosed the problem to me. 

XXXX XXXX has been applying my monthly payments to the interest on my loan exclusively. This was never clearly expressed to me through an agent or the loan servicers communications until I spoke to them on XX/XX/XXXX. Their reasoning for this is unclear. XXXX XXXX claims I agreed to exclusively making interest payments instead of splitting my payments between interest and the principal loan, which is not true. I immediately began looking into my refinancing options, and then I realized their insidious plan to prevent me from escaping their clutches. 

XXXX XXXX applied my payments to my interest exclusively to prevent me from raising my credit score and having my loan refinanced by another bank. They altered my interest rate upon purchasing my loan from XXXX XXXX to ensure my minimum monthly payments only cover the interest, and my loan continues to grow exponentially so I owe them more money. There is no way I can get out of this because XXXX XXXX added remarks to my account for the credit bureaus stating that the bureaus are not to raise my credit because I am only paying off interest, according to a representative from XXXX. 

I believe XXXX XXXX wrongfully led me to presume my payments were being applied to the principal and the interest on my student loan. Until this month, I was in good standing with XXXX XXXX. Now, I refuse to pay them until all my previous payments are applied to my credit score so I can have my loan refinanced.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to obtain my annual credit report from Equifax nearly every year since the " Free Credit Report '' law was enacted. Instead of my credit report loading, I get a webpage saying my credit report is unavailable online and to go to their website to obtain my credit report. However, their website will not allow me to log in to my account to download my report, due to technical issues they have refused to correct for several years. 

I have no problem obtaining my free annual credit reports from XXXX or XXXX, only XXXX is being a XXXX about providing me a report through the government 's website. This issue must be addressed.