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

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
( List all accounts : ) ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent out a letter to all XXXX credit bureaus stating that the Department of Education/Nelnet is reporting inaccurate information. On XX/XX/XXXX, I sent a letter to the Department of Education/Nelnet regarding my concerns about reporting inaccurate information to XXXX, XXXX, and XXXX. I never got a response back from Nelnet. I sent out 3 additional disputes to all XXXX credit bureaus on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX and the late payments for XXXX accounts are still reporting " LATE '' for six months from XX/XX/XXXX to XX/XX/XXXX. 

I Provided documents to Nelnet and to all XXXX credit bureaus that I was never late, I was in school with XXXX units or more and I just recently graduated on XX/XX/XXXX. Furthermore, payments back to student loans begging 6 months after you are done with school.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX 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. 

I looked at my Equifax 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 generallf, 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: Credit reporting, credit repair services, or other personal consumer reports

I have a judgment on my account for ( Eviction ) account overviews youve paid off 0 % of your collections amount balance {$3400.00} highest balance {$3400.00} opened XXXX XXXX ( 4 yrs,6mos ) account status. Open type collection Responsibility Joint.remakrs account information Disputed by consumers meets FCRA requirements.original creditors name XXXX XXXX XXXX XXXX closed No info NCC Business service XXXX XXXX XXXX XXXX, Fl XXXX..the civil judgment above I have asked for proof o account ( validation ) proof of a signed lease etc, bring that I know there is not one I have not been furnished with anything .i am aware that as of XX/XX/2017 all civil judgment should have been removed from credits reports in which this one have not.i am requesting that this judgment be removed indefinitely. I have contact the credit bureau and disputed the account as well with no resolution ( the three credit bureaus, XXXX, XXXX  and XXXX, as part of a lawsuit settlement with various states Attorney Generals, agreed to the creation of the national consumer Assistance plan ( NCAP ) for companies that used credit reports the biggest change will be in the decreased reporting of public records, specifically Tax liens and civil judgments such as forcible detainer and unlawful detainer judgment and thus they will disappear from credit bureaus reports in XX/XX/XXXX..
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I called XX/XX/XXXX to dispute a XXXX charge and request replacement cards for myself and my authorized users. I argued with a XXXX XXXX that I was NOT cancelling my account she stated we have to cancel the card to get new card number with new acct number. SHE STATED SHE WAS NOT CANCELLING MY ACCT AND SENDING NEW CARDS. I called XXXX to ask where my cards are a XXXX XXXX said they were never sent. I then requested to file a complaint against the rep on XX/XX/XXXX since she never sent out my cards he stated he would resend the cards and filed the complaint. When i asked who did you file the complaint against he stated I don't have access. So you lied you cant file complaint if you do not have access to notes so I disconnected call after he stated he was sending cards. I call XX/XX/XXXX spoke to a XXXX  XXXX and asked where my cards are AGAIN i finally get told the acct is cancelled. I SAID I NEVER REQUESTED TO CANCEL MY ACCT. she then attempts to run my credit. I said NO you're NOT running my credit knocking my credit score down when YA 'LL SHOULD HAVE NEVER CANCELED MY ACCT! YOU CANCELLED MY ACCT WITHOUT MY PERMISSION OR AUTHORIZATION so reopen my acct with the original open date and send me my new cards. after 30 minutes on hold she comes back on the line stated they are reopening my acct. She verified my name, SSN, address and DOB then hangs up the call. I call back an XXXX XXXX who after getting my name and password after I tll him the illegally cancelled my acct he WITHOUT LOOKING AT THE NOTES tells me I canceled the accct not them. I BECAME LOUD AND SAID NO YOU!! WHY WOULD CANCL AN ACCT I HAD TO GIVE YOU A DEPOSIT ON TO BUILD MY CREDIT A YR AGO!? AND CITIBANK STILL WONT GIVE ME A CREDIT LINE INCREASE AFTER CITIBANK RETURNED MY XXXX DEPOSIT!!!!! YOU!! CITIBANK CANCELLED THE ACCT WITHOUT MY AUTHORIZATION, I CALLED TO DISPUTE A CHARGE AND REQUEST REPLACEMENT CARDS, he hangs up on me AGAIN. I CALL BACK AGAIN spoke to XXXX XXXX who then informs me the request to reopen my acct FOR BANK ERROR will take 7-10 days I escalate to a XXXX  XXXX the supervisor tells me the request will take 5-7 days and only information she can give me is all the reps I have spoken to are OFFSHORE so she can give me their names and cant do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report and noticed a couple hard inquiries that I do not recognized or gave consent to. 

XX/XX/21 - Santander  Consumer USA XX/XX/21 - XXXX XXXX  XX/XX/21 XXXX XXXX XXXX XXXX XXXX  I called these companies and they were not able to provide me with details regarding the hard inquiries. Please I want these removed from my credit report. 

I called XXXX about these hard inquiries and they refused to help me. Please CFPB help me.
Product: Debt collection

On XX/XX/2023, I received a call from XXXX. She asked if I was XXXX XXXX. I said I was XXXX and asked why she was callling me. The female was speaking in a low tone. I had to ask twice who she was with. She said she was with XXXX XXXX and that I owed a payment for {$13.00}?? and was I prepared to make the payment today. I could not understand all of what she said I owed. I told her I did not owe anything to XXXX XXXX and that I never owned a XXXX XXXX XXXX. I also told her I was on the " Do not call '' registry. She said my number was not on the do not call list. I told her she had no valid reason for calling me. She offered no explanation about how she obtained my number and name. I told her to not call me again. She said I was rude and then she ended the call.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding Experian 's negligence and non-compliance with the Fair Credit Reporting Act ( FCRA ) in resolving a credit report dispute I submitted. I initially requested a procedural investigation into inaccurate reporting on my credit file on XX/XX/year> regarding accounts with XXXX XXXX and XXXX XXXX. Unfortunately, this investigation failed to address the issues appropriately, and Experian remains non-compliant with federal regulations. 

On XX/XX/year>, I requested a second investigation and the deletion of XXXX XXXX account, and on XX/XX/year>, I requested a second investigation and the deletion of XXXX XXXX account due to ongoing inaccurate reporting of a charge-off across multiple months. Despite providing detailed information supporting my claim, Experian has continued to negligently report inaccurate information, which violates their obligations under the FCRA. 

According to FCRA provisions : 1. 15 U.S. Code 1681i ( Procedure in case of disputed accuracy ) : Experian has failed to conduct a reasonable reinvestigation of the disputed information. They are obligated to remove or correct inaccurate, incomplete, or unverifiable information, yet they have not resolved the inaccuracies in my credit report. 

2. 15 U.S. Code 1681e ( b ) ( Compliance procedures ) : Experian is required to follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. The continued erroneous reporting of a charge-off reflects a failure in maintaining such reasonable procedures. 

3. 15 U.S. Code 1681s-2 ( b ) ( Duties of furnishers of information ) : Experian 's failure to properly address the inaccuracies constitutes a breach of their responsibilities to ensure the accuracy and integrity of the reported information, especially after a direct dispute was submitted. 

In addition, Experian 's repeated negligence in failing to address this issue and comply with federal regulations has caused significant harm to my credit standing, violating my rights under the FCRA. The inaccurate charge-off reporting has affected my ability to secure credit, causing undue financial stress
Product: Checking or savings account

XXXX XXXX XXXX Chase Bank account without my permission so I need to see what that's about I'm not sure exactly what was in it I just know I had one open in my name but they act like it wasn't one day so I got XXXX XXXX so therefore they can put a stop to it
Product: Checking or savings account

I have not received the {$730.00} that was allegedly transferred by XXXX to my Capital One 360 Checking account on XX/XX/2022 at XXXX. I did however receive XXXX transfers ( {$5.00}, {$60.00}, {$190.00} ) that was attempted the morning after. I did these transfer through XXXX as a test because XXXX XXXX received the previous transfer. I contacted XXXX although they did send an email verifying that the transfer of {$730.00} was sent. I received a transfer trace number to give to my bank. I immediately called my bank because I was still looking for the transfer of {$730.00} that was done the night before. In the initial email after the first transfer attempt in the amount of {$730.00} it was said that I would receive the transfer in 20 minutes. That was XX/XX/2022. Today is XX/XX/2022 and I have yet to receive. I spoke with several people through XXXX including XXXX XXXX and XXXX ( No last name ). I have been directed by XXXX to do the following : Since theres no indication in our system that this transfer was unsuccessful, if your bank states they are still unable to locate these funds, well need your bank to provide the following : 1.Written documentation confirming that this transfer was either rejected or unsuccessful. 
Reverse 2.Trace Information for the transfer if it was reversed.

3.The name and number of the manager you spoke with we would be happy to reach out to them directly to resolve this issue. 

Capital One has refused to do anything for me that XXXX has suggested above. They also wont trace the transfer ID number that was given to me by XXXX. Their reason is because the number XXXX gave me is only 12 characters long. They said it will have to be 15 characters long. The only thing the bank would do was allow me to file an investigation with my bank but they wont contact XXXX to try to resolve this on my behalf! This will be a 21 day investigation where I will not have any access to the {$730.00}! Ive never had this to happen to me and I dont feel confident that my bank will work for me. I have emails sent from XXXX that support that the transfer has been sent but Capital One Bank refuses to allow me to send those supporting documents! All I need is a letter from management with Capitol One stating that they have NOT received the instant transfer and it was not credited to my account. I would then be able to submit this to XXXX so that they can reverse the transfer. This couldve been done in more of a timely manner instead of having to wait 21 days for an investigation. Capital One is being very uncooperative.
Product: Mortgage

Freedom Mortgage Corporation assumed my Mortgage Loan a year ago. 
Soon afterwards Freedom Mortgage refinanced my Mortgage Loan and then lowered the interest rate with IRRRL. 

Because of the above transactions Freedom Mortgage was given all information about my property from the title company concerning taxes, liens and owners. 

I am a 100 % XXXX Veteran thus my property taxes are exempt by the authority of the State of Pennsylvania. Freedom Mortgage Corporation was made fully aware of this fact during the three transactions that passed. 

Freedom Mortgage Corporation has demanded that I pay an increased Escrow amount every month although my taxes are exempt. Freedom Mortgage Corporation also refuses to document that my taxes are exempt due to being a 100 % percent XXXX Veteran and continues to erroneously evaluate and calculate my monthly mortgage. 

I have contacted Freedom Mortgage Corporation over six times and was referred to a tax department. Their tax department told me that Freedom Mortgage Corporation tried to contact the XXXX County Tax Department but did not get an answer. 

I am asking for the Consumer Protection Financial Protection Bureau to remind Freedom Mortgage Corporation that my property taxes with XXXX XXXX XXXX are exempt and that All Veterans that are 100 % XXXX are entitled to the Tax Exemption Benefit that is Authorized by the State of Pennsylvania and Shall Not be denied or Inhibited by any mortgage company or corporation. In light of this I am asking that Freedom Mortgage Corporation adjust my mortgage to the correct amount. 

I am asking for Freedom Mortgage Corporation to Honor the State of Pennsylvania Tax Exemption for 100 % XXXX Veterans without further delay and to document such status at the very start of the every VA Mortgage Loan and to place such status on file to be reviewed and considered before taking collection action upon any 100 % XXXX Veteran with a Mortgage Loan and to consider the fact that since most 100 % XXXX Veterans have enough to struggle with when dealing with everyday life and they really don't need to worry and struggle with paying extra mortgage that is not due. 

I have provided Freedom Mortgage with a copy of my Exemption Approval along with my parcel ID Number issued by XXXX County PA.
Product: Checking or savings account

I disputed a charge for {$52.00} on my account ending in XXXX. Charge is dated XXXX/XXXX/XXXX. The dispute was opened on XXXX/XXXX/XXXX. I supplied proper documentation to the merchant explaining what was ordered and that the order was never complete. On XXXX/XXXX/XXXX I received a letter saying that the bank is unable to process the dispute and will not help me in obtaining a permanent credit. The bank refused to open a dispute and instead said they can not help me. I never received what I ordered, and the bank is refusing me further assistance in the matter.
Product: Credit reporting or other personal consumer reports

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified XXXX XXXX format reporting standards. 

Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, CA, XXXX Employer - XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, CA, XXXX Listed below are the Accounts that are being challenged XXXX AUTO - XXXX XXXX  XXXX - XXXX XXXX  - XXXX Listed below are the Collections that are being challenged XXXX  - XXXX XXXX  - XXXX XXXX - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX  XXXX - XXXX Your agency is in breach of the law XXXX According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Debt collection

XXXX XXXX and XXXX XXXX XXXX, XX/XX/2017 {$2100.00} due Reported to a collection agency. 
In XXXX, I could not meet the deadline for charity care with the above authority because I was uninsured and homeless without a postal address to receive the charity application from XXXX XXXX and XXXX XXXX.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Inquiries : XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> MALONES XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Mortgage

I originally had a fixed rate HUD loan through the XXXX XXXX XXXX. It was sold to Carrington Mortgage a few months ago. After a few months of their ownership the loan was increased by XXXX per month with no legitimate reason. The reason I say this is, I was given an explaination by one of Carringtons employees. When I went to my municipalities Clerks office as well as the Assessors office what they told me did not match what Carringtons employee told me. According to Carrington, there was a new educational building being built and there was new assesments on our properties. That is not the case the City official verified that. So somewhere there is a mistake or something is not right with this company. This needs to be looked into. How often are they doing this type of thing to homeowners? I have attempted to get further detailed information but I have n't received anything yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency is reporting a trade line on my report after several attempts to get the said trade line removed for non validated/non verified.  After several attempts from the said creditor they have confirmed that the Debt will not be reported and they stated that they sent notice to the credit reporting agencies to stop reporting the alleged debt. The credit reporting agency still has the trade-line open with remarks.  I have written notice from the said creditor that the trade-line would be removed. The law is very clear as to the Civil liability and the remedy available to me for “negligent noncompliance” (Section 617) if you fail to comply.