23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

The following credit inquiries are on my credit report and I did NOT authorize these companies to do the inquiry. 
EQUIFAX : XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX : XXXX, XXXX XXXXI want these inquiries removed and my credit score adjusted.
Product: Mortgage

I bought a house in XXXX and my lender was XXXX XXXXXXXX XXXX up until XX/XX/XXXX when M & T Bank bought my loan and my new lender changed to M & T Bank ( something I had no say in the matter ). 
I've always carried up to date home and flood insurance policies with XXXX XXXXXXXX XXXX, with no issues, with sufficient coverage. 

The new lender, M & T Bank, notified me that my flood insurance policy was insufficient. ( My flood policy wasn't due for renewal until XXXX XXXX, it was up to date, paid in full, with no lapse or anything, and XXXX XXXXXXXX XXXX never had an issue with the amount of coverage I had ). 
Well M & T Bank forced place a lender policy of {$420.00} to cover the time period of when they took over my loan ( XX/XX/XXXX ) until my renewal XXXX XXXX XXXX because they are saying I did not carry adequate amount of coverage from when they took over the loan. 

So now, as a consumer, I am being punished with this steep charge for something that was completely out of my control- my loan being taken over by another bank, and in the middle of my policy period that was ALREADY written and paid for in full, and in effect. And they are charging me because the amount I am carrying in the middle of policy does not satisfy THEIR requirements. I do not find this just or fair at all. For my renewal period XXXX XXXX XXXX XXXX XXXX I did increase to satisfy their requirements, but I should not be penalized for those last 3 months of my policy period when they took over my loan as I had NO idea I did not carry adequate coverage as XXXX XXXXXXXX XXXX  never had a problem with it and I had already paid for this policy and was almost up to my renewal anyway. 

I've spoken to several M & T Bank representatives and they all told me misinformation and conflicting things. Some M & T Bank representatives told me I was fine, and they removed the lender placed insurance, and then I find out, that no, I am not fine they've placed another one. I've spent countless hours trying to resolve the issue, going back and forth my with my agent, and with M & T Bank, but I am going in circles. Their personnel and training is clearly lacking and is very convoluted. This bank is very unprofessional, confusing, and even to speak to a representative you have to wait 10 minutes before you can even have the option to speak with with a representative. They really make it difficult and confusing for their customers. It has been a nightmare, an awful experience with this bank.
Product: Credit reporting or other personal consumer reports

In response to the CFPB complaint # XXXX - XXXX This a formal dispute again, XXXX XXXX, you have insulted my intelligence for the last time, because a consumer reads and comprehends and is able to put dispute letters together you feel like stall tactics are away to disrespect my character by stalling and claiming that this letter is from a credit repair agency, let me be very clear with you. I am an educated consumer and this is a formal dispute again. Because I will not be addressing this matter a 3rd time, the 3rd response from me will be legal action. So I implore you to send this to your legal department or whichever department that can handle my disputes correctly. Your Job is to correct inaccurate information on the consumer reports not tell me who Im working with or that I can do it myself. 15 USC 1681s-2 ( 8 ) ( G ) whether i choose a credit repair organization or not it is none of your business. The information that your furnishing as late is inaccurate, your furnishings is not in compliance with 15 USC 1666b and Im requesting to prove that they did what 1666b required an order to furnish a late payment and to see if there in compliance with 15 USC 1681s-2 ( 8 ) ( E ) ( 3 ). Because in accordance 15 USC 6802 GLBA I have the right to opt out, and I have to give consent. Upon the receipt of documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt Attention and Response are both requested and required. I went to a notary and sign these documentation in front of the with your games. XXXX  XXXX Account # XXXX Signature XXXX : XXXX-
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT XXXX XXXX HAS VIOLATED MY RIGHT 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHTS TO PRIVACY 15 USC 1681 SECTION 604A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FUNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION 15 USC 1666B : A CREDIT MAY NOT TREAT A PAYMENT ON A CREDIT ACCOUNT UNDER PLAN AS OPEN END CONSUMER CREDIT PLAN AS LATE FOR PURPOSE
Product: Mortgage

I recently lost salary due to a business failure and requested to have a mortgage modification. I requested the modification on XX/XX/XXXX knowing that I would be starting a new job with a higher income in addition to working another part-time job. I submitted the request on XX/XX/XXXX with the offer letter as I had not yet received a pay stub from the new job since I would not be starting until XX/XX/XXXX. Carrington Mortgage then sends by snail mail and letter stating that my application was not complete. This letter was dated as XX/XX/XXXX, however, I did not receive the letter until XX/XX/XXXX and was told that I had until XX/XX/XXXX to upload the documents. Furthermore, the letter incorrectly stated that I had listed rental income on my application and needed to provide proof of income. This is absolutely incorrect. I have rental income but because of past denials due to asking for more and more information each time, I did not list this on the RMA application. I received my first pay stub on XX/XX/XXXX and promptly uploaded this to their website as well as sending an email stating as such. I also explained that it would be impossible for me to have two paystubs since I just started a job. If someone has a loss of income but then gets a better job, how are they then expected to show 30 days of income? This seems counter intuitive and does not help the mortgagee. I have since sent at least 6 emails asking for an update as I want all correspondence in writing. I received one call from a gentleman who I could not understand as he mumbled throughout the entire voicemail. I also received another phone call from a woman who stated she could not leave a detailed voicemail. As of XX/XX/XXXX, I have not received any updates and my online status is still listed as XX/XX/XXXX ( I have the screen shot to prove it ). This is providing unfair and wasted time to me. I have submitted complaints about this company in the past only to be addressed in an arrogant and rude manner as if I am a prisoner. I will also be filing a complaint with my state attorney general this time. Carrington Mortgage is not interested in helping anyone and I do believe they use discriminatory practices in how they assist with modifications.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XX/XX/year> XXXX XX/XX/year>
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 title 15 U.S.C. 1681 : US DEPT OF ED/XXXX : # XXXX, XXXX. XXXX, XXXX : # XXXX, XXXX 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 XXXXXXXX HAVE ALL VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS. I DEMAND THAT THESE ACCOUNTS ARE DELETED FROM MY CONSUMER REPORT! 

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 ) : Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) 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.A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account.XXXX XXXX
Product: Checking or savings account

On XXXX XXXX I went to capital one bank to open a 360 account, after I have close my regular checking account because I do not want to be changed as i have reassigned from my job to go back to school. I was told they are having a technical problem. I waited for two weeks and went back and was told the same thing and was ask to call back yesterday by XXXX. I did call back but the phone was have on me for two times. So I wonder why the discrimination. And why no answer to why I ca n't open a 360 bank account because it a better product that I need since am now a student.
Product: Consumer Loan

My Toyota dealer ( XXXX Toyota ) called and offered me a new car if I turned in my leased car early. They said there would be no penalty for doing so. So I agreed and the dealer took care of all the details. I have been in touch with the dealer and they are unwilling to do anything to help me out of this mess. 
I got the new car and am now paying {$340.00} per month on the new lease. However, the finance company claims that the loan was not satisfied completely because the car did not sell for the amount they needed at auction. What does this have to do with me, I do not know? In the meantime, Toyota Finance has turned this over to a collection agency who harass me and my wife night and day. We are XXXX and XXXX years old and do not need this at this time in our lives. I think we have been taken advantage of by the dealer first, and then by the finance company. It is a good thing that I am not in the market for a house since I 'm sure that this is not looking good on my current credit report. It has been stellar up to this point. How can I get these people off my back? I am not responsible for this money and the dealer says he sent the finance the correct paperwork a long time ago. But I am the one being harassed. He apparently ca n't be bothered to look into it for me. Please help.
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX  and XXXX XXXX XXXX XXXX had the same data An address I never lived in Accounts open 7 years ago and 4 months Another name I dont have Both Experian and XXXX removed the account XXXX  but I see them BACK on my report without any evidence only the two banks had used my ss # and do not have my NAME nor my ADDRESS nor my Drivers License
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the law 15 U.S.C 1681 ( i ) & 15 U.S.C 1681 ( b ) & the Gramm-Leach-Bliley Act, I XXXX XXXX, did not given my written consent to furnish this data on my credit report. 

The following Inquiries are in violation of the FCRA and FDCPA. 


XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX  and XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Banks and XXXX & XXXX XX/XX/XXXX TransUnion XXXX XXXX  Banks and XXXX & XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX XXXX Banks and XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  and XXXX & XXXX XX/XX/XXXX TransUnion XXXX XXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX Companies XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX  Banks and XXXX & XXXX XX/XX/XXXX TransUnion XXXX XXXX Banks and XXXX & XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX TransUnion
Product: Debt collection

Per my last complaint on XX/XX/year> : After I submitted the last complaint with you all, NewRez LLC took it upon themselves to cancel my automatic payments without my consent, furthering my suspicion regarding NewRezs fraudulent activities. Upon email notice ( attached ), I called NewRez to ask about why they turned off my automatic payment and they gave no reasoning and said whoever stopped it gave NO REASON as to XXXX ) why the XXXX payment didn't go through yet again and XXXX ) why someone from NewRez would stop my automatic payments without my consent ( call recording attached ). 

Per phone call, I made another manual payment with them since they ( without my consent ) cancelled and stopped my automatic payments in an attempt to charge me with interest for being late. I still havent seen any pending payments hit my bank account.
Product: Credit card or prepaid card

My card was stolen and used for XXXX $ in XX/XX/2020. After I found out I immediately called the bank and reported the fraudulent charges. The bank investigated and denied my claim. They told me they didn't have enough evidence. They told me to send in a letter stating where I was during the times of the transactions basically proving it wasn't me using the card. I did that then they denied me a second time still saying it's not enough evidence. Then they told me to send in a police report. I did that and they still saying it's not enough evidence. I don't know what else they want me to do. I feel they are treating me unfairly and wrongly. I did everything they are asking me to do but it's like they are calling me a liar. That's why I came here to get help and get this resolved. Thank you.
Product: Credit reporting or other personal consumer reports

I have the right to make sure my private information isn't shared which is backed by USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it's consumers and to protect the security and confidentiality of those consumers ' nonpublic personal information. '' According to the Fair credit reporting act 15 USC 1681 section 602 it states " there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the consumer. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 and section 2 states that " in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies XXXX and XXXX do not have any consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non affiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' except as authorized under subsection ( b ), 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 anteaters the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the laws. 15 U.S. code 1681s-2 ( a ) ( 1 ) states " 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. 15 U.S. Code 1681 e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been complaining against XXXX XXXX XXXX XXXX for 4 years. Just in the last four months I have complained 70 times with Consumer Financial Protection Bureau. XXXX XXXX absolutely did not have permissible permission to access my personal information which led to two fraudulent loans to thieves. I have requested the permission to help XXXX XXXX prove they didn't have the permission. XXXX XXXX  simply labels all complaints and request as duplicate and ignores the CFPB. I have requested Transunion and XXXX to assist and review the information for completeness and accuracy. They do nothing but shuffle paper and ask their client XXXX XXXX to verify they are reporting correctly. Sometimes Transunion and XXXX have informed me that XXXX XXXX has mailed a response and feel like they have done their American duty. The response from XXXX XXXX is actually a request for more of my personal information so XXXX XXXX can do a fraud investigation that my personal information was not obtained illegally.
Product: Debt collection

Pulled personal credit reports due to trying to buy a house or even rent. Found Fair credit and Out with a partial account # on credit reports for {$3400.00}. Called to get online access to view what the account was for and some kind of verification/validation of the debt. The lady I spoke with asked for basic information and to verify who I was. She provided me with a username- which was ( XXXX ) and then a pin that was XXXX numbers ( XXXX ). She then stated it was a debt for XXXX Rentals and ends the call. I went online and there was no direct information In regards to the debt at first it was personal information that was listed to identify the owner of the debt, some of the information was my personal information but then I noticed addresses that were not mine and have never been mine, along with other mis information like multiple phone numbers not mine. I didnt have an option to even update my information if I had wanted to let alone able to validate the debt. Beyond that page there was a page that showed the same basic info debt {$3400.00} and account # which was the numbers I was given as the acct username. Since my kids and myself are homeless I tried finding more detailed information, options to settle or setup payment arrangements but there was just an option to pay the he debt. No charge descriptions beyond XXXX. My call and subsequent login was XXXX XXXX. Ive received no letters by mail and no one has contacted by phone even prior to my call from Fair Credit and Out. This debt on my reports is causing my family to continue being homeless. I did record my phone call on video to ensure I was able to verify info. As well as recorded myself logging in. On XXXX XXXX I attempted to login using the same information as this is the only debt currently being stated as a block for my family being approved to rent, the login doesnt work, I recorded me attempting to login from different devices including computer and it states my account information is incorrect. I check my credit reports and they still show XXXX ( Transunions name of agency ), XXXX ( XXXX agency name listed ), and Fair Collections & Out ( XXXX agency listed ) last updated balance date XX/XX/2023 still showing {$3400.00} So I dont understand how my login I was provided is inaccurate. Im also unable to have addresses that arent mine dispute and removed with credit bureaus due to them stating tied to the collection account for this company so its creating a fraud trigger or unverifiable identity with landlords and such.
Product: Debt collection

My husband was served my judgement paperwork on XX/XX/23 while I was at XXXX classes. The collection agency never sent me any written notice of debt being in collections, never tried calling me to discuss the debt. I only got the information when I was served. I called the debt collection agency attorney who drafted the judgement. I was told that it doesnt matter that they didnt contact me and that I still had to pay the debt. I tried asking for a settlement amount or to do payments due to not working for months while attending a XXXX program ( XXXX XXXX ). He offered to take around {$100.00}. My debt was under {$500.00} now with the legal fees and everything theyve added with interest my debt is close to {$700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several requests via mail disputes for TransUnion to help me with this unverified/inaccurate reporting on my credit file. I am now coming here to submit an official compliant and hopefully this information will be updated/deleted from my TransUnion credit report. I am taking this very seriously and want these accounts to be fixed/removed. Pease see attachments. Fair Collections should be deleted from my credit report because of several inaccuracies/missing information with the reporting of this account such as date of last paid, balance, status, recent payment, high balance to name a few. Milestone should be deleted as there are inaccuracies in payment history being reported. XXXX XXXXXXXX payment history should be updated as i have attached a letter from the furnisher and have tried to notify TransUnion with the letter to update my account but they have yet to fix it. There are several inaccuracies with an account called XXXX XXXX being reported on my credit file, including past due amount being reported on a collection account. This is a violation and I want this account deleted immediately. Thank you for your help Delete account Fair Collections Delete account XXXX XXXX Update account XXXX XXXXXXXX Delete XXXX  XXXX