23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX. 
XXXX  XXXX # XXXX XXXX XXXX XXXXXXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CREDIT- XXXX # XXXX
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. 

Account name : 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 repor
t 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

I have asked credit reporting companies to remove Late Payment issues with my Credit Card companies. My bank account was compromised do to no fault on my own and my direct payments to credit card companies was rejected. 
My bank XXXX XXXX was hacked and they did not notify me until my payments bounced. My bank should be held responsible not me. I had no control over there security issues.
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, XXXXXXXX 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: Mortgage

Starting XXXX/XXXX/XXXX State-Bridge became my loan servicer for my mortgage account that was previous held with XXXX XXXX XXXX. Since State-Bridge took over I have nothing but problems. 
First, starting with the billing. From the date they became the servicer in XXXX all the way through XXXX of XXXX the billing statement were not correct. It was n't till XXXX of XXXX when the bills became to look normal. At this time, I was informed there was an over payment to the Escrow account and a refund would be issued, payment would decrease. Beginning of XXXX I notice on the billing statements being sent that our LTV ( loan to value ) ratio was showing at 114 %. Still to this day I have yet to get any answer or response to why this is. When I attempted to call State-bridge regarding this they continuously tell me that is what XXXX reported to them. I have a letter from XXXX stating this is not correct. In addition I recently got a notice that my Escrow Analysis have a deficit for the year of XXXX in the amount of XXXX. On XXXX/XXXX/XXXX I spoke to XXXX on a conference call with myself and husband around XXXX est time. We spoke to rep name XXXX, he stated that the shortage was created due Statebridge not having proof that I had homeowner insurance, only later to find out when speaking to XXXX ( sup ) and a conference with their vender that deal with insurance was told no this is not the reasoning for the short fall. 
Going over the statements printed in XXXX my husband and I realized the billing for each statements varies, for example one month there was not any PMI insurance charge and the very next month its double. Also the statement printed XXXX XXXX the change in the mortgage payment was XXXX after an analysis was done it dropped to XXXX ( unsure why the analysis was done mid year ) and a surplus check of XXXX was disbursed back to us. This is the main issue is the billing, and not being able to speak to anyone in the escrow department. You can only reach State-bridge escrow department via email, and no one answer you directly..

I am unsure why the change in the escrow.. I do n't understand how to you get over payments back one year, nothing change in taxes/insurance but yet its a short fall and no one can answer the question. 
State-bridge sup XXXX XXXX refused to send my any writing documentation of the change to my account. He did not know to navigate on their website. No one I have ever talked to at state-bridge gave me the correct information and their supervisor will admit they need more training.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the inaccurate information on my credit report, which I received from your agency. I am aware that as per the Fair Credit Reporting Act ( FCRA ), it is your duty to ensure that the information on my credit report is accurate, complete, and up to date. 

After reviewing my credit report, I have identified the following errors : There is an account under the name of XXXX XXXX XXXX with the account number XXXX. I would like to bring to your attention that this account has been verified by your agency, while other bureaus could not do so and have removed it. According to the FCRA, you are required to investigate and remove any inaccurate information from my credit report immediately. 

There are several instances of personal information that are incorrect. The following addresses do not belong to me and should be removed from my report immediately, as per the FCRA : XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) There are two names on my credit report that do not belong to me. The following names should be removed from my report immediately as per the FCRA : XXXX XXXX XXXX XXXX XXXX I request you to take prompt action on the above-mentioned errors and remove them from my credit report, as per the FCRA guidelines XXXX I also request you to send me a written confirmation of the removal of inaccurate information from my credit report. 

Thank you for your attention and assistance in this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute the following accounts on my credit report. 

Equifax : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Over 2 months ago I demanded validation of the debt that AFNI is attempting to collect. You have failed to respond to any of my requests for additional information to determine if this account is legitimate. As a previous victim of identity theft I am concerned about the origin of the account. Despite failing to provide the information to validate the debt you are still reporting the negative account information on my credit report. By failing to provide the information requested to validate the debt AND still reporting the information to the credit bureaus, you are in direct violation of the FCRA and the FDCPA.
Product: Checking or savings account

A withdrawal from wells fargo was made on XX/XX/XXXX to open a discover savings account. The amount was for {$10.00}, 000. I went to my XXXX savings account on XXXX to transfer funds from my savings to checking in order to cover a check I wrote to a roofing company. 

When I logged on to XXXX XXXX my savings account was depleted to {$.00} 2 transactions in the amount of {$10000.00} were withdrawn from my savings account One was withdrawn on XXXX and an erroneous {$10000.00} was withdrawn on XXXX from Discover. 

I called customer service 3 times to be told that it was a known error and would be put back in my account within 2-5 days I called back because this was unacceptable There was no communication to me from Discover of their " known error ''. They apologized and repeated they would restore my funds within a couple of days. I asked to speak to a manager They told me a manager would call me back. Hours passed without a call. I called for a 3rd time and asked to speak to a manager immediately.

I spoke with XXXX ( I think ) who was a supervisor. She again was very polite, repeated that this was a " known error '' but this time she promised that funds would be restored by midnight on XX/XX/10. 


I mentioned how upset I was that Discover never communicated the " known error '' and I felt very vulnerable with there lack of being proactive and to do right by me ( a new customer ). 

The supervisor said a message regarding the error detailing the issue would also be sent to me. 

Not only were funds NOT put in to my XXXX XXXX account I am still waiting on any form of communication regarding that the error. 

I feel like Discover has taken {$20000.00} from me with no explanation and a series of empty promises. 

I still cant access {$20000.00} and have no idea when it will be returned.
Product: Money transfer, virtual currency, or money service

Commencing on or around XXXX XXXX  I fell victim to two multi-layered scam operations run by XXXX and XXXX which involved me making deposits for a total amount of XXXX XXXX from my Coinbase account to fraudulent investment firm ( s ).
Product: Credit reporting or other personal consumer reports

This Information is Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I paid the settlement debt amount of {$110.00} on XX/XX/2018 to XXXX XXXX XXXX XXXX XXXX and they did not remove this debt nor report it the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, LexisNexis Risk Solutions Consumer Center, and XXXX have violated my federally protected consumer rights to privacy and confidentiality under XXXX U.S.C XXXX. They have violated it by reporting a bankruptcy on the LexisNexis Consumer Disclosure Report without my written instructions in violation of 15 U.S.C 1681 that states : I have right to privacy. 15 U.S.C 1681 Section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions and I never gave LexisNexis and XXXX my written instructions. It also 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 1681s2 ( 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 informmation is inaccurate.

I have contacted LexisNexis through mail and disputed this inaccurate unauthorised information and asked them to delete it but they have refused to and it has been impacting y credit report negatively. The bankruptcy court gave me a letter stating they did not share this information with LexisNexis. So LexisNexis obtained this information without my written authorization.
Product: Checking or savings account

On XX/XX/XXXX I reported fraud on my checking account to Bank of America via telephone. 3 checks had been fraudulently presented to Bank of America and had been cashed. The bank called me on XX/XX/XXXX while I was on vacation in another state and asked me to verify one check in the amount of {$2200.00}. I was unsure about the transaction and asked to speak to the check presenter and the teller declined to let me. I ultimately approved the transaction. Upon reflection I called the bank back about the check and discovered two other checks had been presented and cashed. The bank never contacted me to verify two other checks for {$2200.00} and {$2200.00} ; they cashed them. I can not get any information from B/A other than an investigation is " in progress ''. They will not advise me of my rights, or when they are required to complete their investigation. I called on XX/XX/XXXX and on XX/XX/XXXX. They initially sent me a notice that thy had not paid the check for {$2200.00}, but a review of my account shows otherwise.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information from Experian, XXXX, and XXXX on my consumer report. This inconsistent and harmful reporting from these Bureaus has impacted my score making it hard to get the credit I so desire. I have suffered emotional distress, humiliation, and hardship. The continued presence of incorrect information has negatively impacted my credit standing and caused undue frustration.

I want to highlight that this matter is similar to issues raised in the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian, where the CFPB alleged that Experian failed to accurately report credit information and address consumer disputes effectively. This pattern of behavior is concerning, as it reflects systemic problems that have now directly affected me. Not to mention errors and inconsistencies, which violate the 15 U.S.C 6802 and the Privacy Act of 1974 Attached is my consumer report. I have highlighted the inconsistences of the report on each bureau. 
Under the Fair Credit Reporting Act ( FCRA ), these bureaus are obligated to ensure the accuracy of consumer reports and to investigate disputes thoroughly. I am requesting these Bureau to remove ALL inquiries charge-offs, non-mailable addresses, and wrong names. For the inconsistencies and wrong information, I want XXXX from each bureau due to my pain, suffering, and humiliation. I also want to mention that it is ILLEGAL to report transaction history. 
Please treat this letter as a formal notice of dispute. I expect a respond within the legally mandated 30-day timeframe. If these issues are not resolved promptly, I am prepared to escalate the matter to the CFPB and pursue further legal remedies if necessary. 
Thank you for your attention to this matter.
Product: Mortgage

My mortgage company is Wells Fargo, account # XXXX. When I originally financed my loan through XXXX XXXX Loans at $ XXXX on XX/XX/XXXX, I was told to petition to have the PMI removed because my house had gone up by well over $ XXXX during the year my home took to close and was really close to the 80 % Lone to Value ( XXXX ) required to forgo the PMI. Within a month or so after closing, XXXX sold my loan to Wells Fargo. In XXXX of XXXX, I called the mortgage people at Wells Fargo to request cancellation of the PMI insurance. They said I would have to get the house reappraised to see if the house was below the 80 % XXXX. I paid their fee to have the home appraised. The appraiser did the XXXX appraisal on XX/XX/XXXX and he said that I should email him a list of the upgrades I did so that he could submit it with the appraisal. I sent him, XXXX XXXX a list of {$18000.00} worth of upgrades ( attached ) I had done to the house up to XX/XX/XXXX. ( Note : In addition to that list, in XX/XX/XXXX we installed a brand new XXXX ' wide x XXXX ' long, XXXX '' thick asphalt driveway to access my home for over $ XXXX ) The appraisal, attached, came back at $ XXXX which was a 67.85 % XXXX. I asked Wells Fargo to remove the PMI. They refused and said I needed to have an 80 % XXXX and I needed to have significant upgrades. Apparently, the {$18000.00} in upgrades that I sent to the appraiser was not enough. 
They asked me to fill out a Property Valuation Dispute Form. I sent it back to them on XX/XX/XXXX. In the form, emailed to them in XX/XX/XXXX ( attached ) I explained everything above and requested that all of my PMI payments from the valuation of XX/XX/XXXX be returned to me. I also had to show three other comp properties in my area. They all showed that my home was worth over $ XXXX. 
Wells Fargo denied my request yet again and said I needed to add a room or replace the roof etc to be a significant upgrade. I didn't know what to do and didn't know where to reach out for help. I hope you can help. Over the past year, Wells Fargo has shown my estimated home value on my account dashboard as high at $ XXXX on XX/XX/XXXX ( attached ). As of today, XX/XX/XXXX, Wells Fargo shows my estimated home value on my mortgage account as $ XXXX, which means my XXXX for the {$520000.00} that I owe is 65 %, see attached dashboard snip. It really isn't fair for them to continue to charge me over {$200.00} a month in PMI insurance. 
PLEASE HELP ME or direct to who can help. I am astounded at how Wells Fargo pushes their customers around. My original PMI form did not say that I needed to have significant upgrades in addition to a XXXX less than 80 %.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX  XXXX Balance Owed : {$11000.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Owed : {$1800.00} XXXX XXXX Balance Owed : {$5100.00} XXXX XXXX  XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, WELLS FARGO DEALER SERVICES ACCOUNT # XXXX has violated my rights.

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A - Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an account that is under an open-ended consumer plan as late for any purpose.
Product: Debt collection

Commonwealth Financial has an open account of {$770.00} from XXXX XXXX XXXX ( Original Creditor ) which identical to an account XXXX Has recently removed from my credit. Commonwealth Financial also has an account opened for collection XXXX/XXXX/XXXX, however the Original Creditor ( XXXX XXXX ) turned the account over to COMMONWEALTH XX/XX/XXXX. Not to mention the service the doctor is charging me for was never rendered. In his report he list trying 4 failed attempts at XXXX which was beyond his maximum allowed attempts. Resulting in admission to hospital for XXXX directly due to the doctor 's inability to perform. Causing further medical expenses to myself such as extended hospital stay, XXXX due to negligent medical practices. XXXX XXXX is at fault and is represented by XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to make a payment on the XXXX of XXXX and the system made me pick XX/XX/XXXX as the payment date causing it to be a 30 day late. the check submitted cleared and i was told to dispute it through the credit agencies and that it should be fixed. the company has refused to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a collection with your company. 
The collection was removed Later the collection company reinserted the collection by using another name. 
I disputed it with CFPB Recently the company gave back to XXXX XXXX reinserted the collection XXXX changed original account name, orignal balance and account number and original creditor. 

I filed complaint Through the CFPB portal XXXX has acknowledged that the account number, balance and original creditor may have been changed when they recently put it back on my credit report. 

XXXX also stated " even though this may have happened the original account number and balance are still the same '' This is a violation of my Credit reporting rights and this is not fair debt collection practices. 

Attached you will see My claims old credit reports the old collection dispute from the cfpb and it being removed. 
the credit reporting agencies old records. 
Also from the original creditor they had previously stating that they had no record of me. 

This is more than enough information. 

Please tell me why this is still on my credit report and how does your company allow this type of practice to occur? 
Attached are PDF 'S the first name of the files have a number in front of them this is the history 1 is the most recent response. as you go down you will see how it started
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was open around XX/XX/XXXX without my knowledge. Amount of {$6400.00} XXXX XXXX XXXX Account Number XXXX open XX/XX/XXXX Amount {$750.00} XXXX CARD OPEN XXXX XX/XX/XXXX BAL $ XXXX BAL {$2300.00} XXXX XXXX # XXXX XXXX dated XX/XX/XXXX {$2400.00} XXXX XXXX XXXX OPEN DATE XX/XX/XXXX BAL {$15000.00} I submitted my FTC report and a written letter stating I was a victim of Identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This happened for two credit cards were I called went to bank asking for statements because my mom is now staying at home and she is working for me. Pnc bank and XXXX both did not send me statements as asked. Ima business man and my mother moved and as I stated she started taking care of all my billing. I went to bank spoke to them how I wanted paper statements. And explained to why I needed statements as I did for my XXXX XXXX. As you can see if you look up my file I never was ever late in 8 years of my oldest account. Please help get the late payments off my credit report.