23daVinci/CFPB_Complaints huggingface dataset:
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 XXXXXXXX, 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

EQUIFAX IS SHOWING A BALANCE OF {$15.00}, XXXX ON A CLOSED ACCOUNT I HAD WITH XXXX XXXX XXXX XXXX XXXX. THE ACCOUNT IS PAID IN FULL AND SHOULD BE REPORTING AS SUCH. EQUIFAX HAS INVESTIGATED THIS SEVERAL TIMES AND COME UP WITH THE SAME RESULTS AND AGREED TO SHOW THIS AS PAID IN FULL. AFTER A FEW MONTHS OF POSTING IT THIS WAY AS AGREED, THEY REVERT BACK TO EITHER SHOWING THIS ACCOUNT OPEN WITH A BALANCE OR STILL SHOW A BALANCE. THE PREVIOUS EQUIFAX CONFIRMATION DISPUTE # XXXX WAS RESOLVED AS PAID IN FULL BACK IN XXXX OF 2015 AND YET AGAIN THIS POSTS WITH A BALANCE. I AM PROVIDING THE LETTER FROM THE CREDIT UNION EXPRESSING THAT IT IS PAID IN FULL AND SETTLED AND I AM ALSO PROVIDING THE EQUIFAX LETTER I RECEIVED IN XXXX OF 2015 EXPRESSING " THE RESULTS ARE : THIS ITEM HAS BEEN UPDATED TO REPORT AS PAID IN FULL. "
Product: Checking or savings account

Numerous times I would be charged nsf fees and my card would not go through
Product: Debt collection

Left message not identifying themselves or where they were calling from. Messages just said " this is XXXX call me back '' When I called and spoke with a supervisor she yelled at me. The bills were for preventive care that should have been covered by my insurance I had no idea I owed anyone any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I settled a charge off with XXXX XXXX. XXXX agrees the account is settled and properly indicates the settlement in its report to Experian. The account became delinquent in XX/XX/XXXX and Experian correctly indicates the account will go positive in XX/XX/XXXX. <P/>However, XXXX has inaccurately reported a brand new derogatory payment history which begins in XX/XX/XXXX and results in re-aging my account. This results in a lower credit score. I have attached an excerpt from my Experian consumer report dated XX/XX/XXXX. <P/>Re-aging of accounts is a violation of the FCRA and damages my credit. I have attempted to resolve this using the dispute process with Experian. The result of the investigation was NO correction to this issue. Having exhausted the dispute process, I am hoping the CFPB can assist in resolution.
Product: Credit reporting

Please find attached copy of my recent credit report from XXXX credit reporting agency. On page XXXX of this report is currently showing an incorrect amount of tax lien from XXXX county, CA. recorded XX/XX/XXXX. Its effecting my credit score greatly in a negative way. I am hoping you can help me resolve this problem with XXXX county tax collector. I have filled a chapter XXXX bankruptcy in XX/XX/XXXX and the current amount showing on the report should be modified to reflect accurate modified judgment amount set forth by the court after the chapter XXXX BK filing. Presently, I am paying to new set amount of amount of approximately XXXX dollars {$4000.00} for which, I am currently paying in on instalments basis. Please, help me correct this issue with the XXXX county tax collector. I have tried calling and wrote letters to them in the fast but, they have not responded to any of my complaint. 
thanks. 
XXXX XXXX
Product: Debt collection

The company is Receivables Performance Management, LLCThis company is trying to collect on XXXX cell phone bills that I do not owe. And they do not have the right to practice debt collection in Texas. I have sent them letters but they keep reporting that they have validated the debt.
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 of privacy and confidentiality under 15U.S.C.1681Section 604 ( a ) Section 2. 
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 
Account Number : XXXX XXXX filed in XXXX, Texas. 
Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX. 
15 U.S.C. 1682 Section-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

On XX/XX/20 we spoke to XXXX XXXX XXXX XXXX about leasing a vehicle. They were give EXPLICIT instruction to forward the request to the XXXX ONLY. XXXX XXXX XXXX XXXX forwarded our application to the following WITHOUT AUTHORIZATION : XXXX   XXXX, XXXX, Global Lending Services, and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My rights were violated. A charge off is a certificate of indebtedness and that is income. 
Income can not be reported on a credit report.

5 USC 552a Per the Privacy Act of 1974 These agencies have continuously violated my request to remove the income off of my credit report causing me immense harm. They stated that they will continue to report the income on my report for 7 years.
Product: Prepaid card

I filed for a dispute on my XXXX  account in 2021  they never refunded back my complete amount owed nor did they complete the full process as I was told they did .. they approved my claim on behalf of all reporting documents and verification. Which I complied fully and thorough.. I have exact dates and acct numbers and claim numbers which I would like to be processed to receive my right ful money I am homeless with XXXX XXXX. Please help
Product: Debt collection

My credit was damaged by a lender who denied me online access to my daughters account. 
In 2018, I cosigned for a private student loan for my daughter. I spoke with a representative in early 2018 because I could not gain access to the online account. The representative advised me at that time that, as a parental co-signer, I was not allowed online access to her account. The loan is now in repayment and my daughter has been late on some payments, from what I understand over 30 days, but I did not have online access to confirm. I called them recently regarding a notice in the mail that said we are trying to reach me. When I called, I was informed of the status of the account. I explained and was only then advised I could set up an online account. Within a few days of my call, the lender reported negatively on my credit and I went from over 800 score for years to dropping XXXX points. 
How can a lender report someone to the credit bureau when they deny access to the very account? 
I've emailed them and have in writing where at first they said I had access from the beginning. When I wrote back to check their records and said exactly what I was told, they replied 30 days later, that a system update was done in the Fall of 2018, which then allowed access. I never received notice of this. I thought this whole time I could not see my daughters account. Even though I've asked them to respectfully remove the negative report, they say they have made several attempts to call and the account was in fact past due. I've never received a voicemail if they have called, but they have no intention of removing the negative report. I do not think this is fair debt collection practices. I was refused access to this account, never told I could gain access and ave been negatively affected by this lender and I wish only for the negative report to disappear. Thank you for any assistance you may be able to provide.
Product: Credit card or prepaid card

I reached out to BMO Harris about an issue with the purchase on my credit card statement on XX/XX/2022. However, in their response they declined to do anything about the charge. All I would need to get done is to dispute a charge from XXXX & XXXX XXXX XXXX XXXX NY posted on XX/XX/2022 for the amount of {$1600.00}. The reason for this dispute is that I have returned the purchase to the merchant but have not received a refund as of yet. Order was returned with a label provided by the merchant via XXXX  ( tracking XXXX ).
Product: Checking or savings account

I wrote a check to my landlord for rent on XX/XX/XXXX for XXXX $ and placed it in the mailbox for pick up from my landlord as I always do. Someone stole the check out of the mailbox, and cashed the check fraudulently on XX/XX/XXXX. ( I have pictures of the check ) Bank of the West is aware of the stolen funds and situation, and released my funds fraudulently. I have done all I can with them, filled out all of there forms, spoken to everyone in the branch, got my landlord to sign the paper that he never received the funds, and even started a new account. They then told me they have 90 days to work with the claims department. Its been 90 days and they still will not return my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the COVID hardship my family was heavily impacted, and during the XXXX and XX/XX/XXXX timeframe I was unable to work at my job and became behind on mortgage payments. I quickly was able to bring the mortgage current 2 months late but have only just recovered from some of these impacts, and am still recovering. 

During this time my mortgage servicer had an automated COVID CARES act call center option that I selected to enroll in the Forbearance plan with phone confirmation, repeatedly, ( to find out later, apparently to no effect ). Once the loan was paid current I didnt think too much about it until I noticed a negative impact on my credit report. After seeing this I then called our mortgage servicer XXXX XXXX XXXX XXXX on XX/XX/XXXX to re-enroll in the forbearance plan and to request the negative credit impact report be removed in accordance with the CARES act law. 

On this occasion, XXXX, a senior loan servicer, took the request to remove the negative credit impact report from my credit and created a ticket with the credit department according to what I was told. I called again on XX/XX/XXXX and got in contact with XXXX where I was told I was in fact not enrolled in the forbearance plan, and that the credit report retraction was denied. I was then craftily steered away from trying to re-enroll in the forbearance plan. They stated that because I was and am able to make my payments, that I would not be allowed on a forbearance plan. I was denied until I became forceful on the call demanding that I be enrolled in the forbearance plan and read the letter of the law. I recorded this call. 

I explained that my family and I had been impacted by the COVID hardship last year during the fall, and that I had tried to enroll in the forbearance plan repeatedly. I explained that I can make my payments but simply want to remove the negative credit event from my credit report. This was repeatedly refused, even after explaining that the hardship impact had begun last fall, and was related, and to be legally compliant with the law, that they needed to remove this negative event. They refused. My family needs to move, and I need to get a new mortgage in another state. With a negative credit report, this will be far more difficult. Please help! 

Thank you!
Product: Debt collection

I asked the company AR Resources Inc. to validate a debt they were trying to collect and they sent me personal information that they should not have, They gave me a form showing the hospital name and location, services provided, the XXXX name, account number, as well as date of service and amount charged for service. I filed a complaint with U.S. Department for health and human services as well.
Product: Checking or savings account

I have bank of america credit card. I applied for their checking account using the promotion. Provided all the information ( in fact i had the customer profile already been there due to my credit card ) and thus all the information was pulled in. 

But they refused to open my account without any specific reason. Similar set of events happened almost 1-2 years back. It seems Bank of America has flagged my social security number and they didn't provided any specific reason why did so at that time also. 

This is absolutely ridiculous. They are outsourcing the jobs and not letting the US Citizens to open the account - strictest action should be taken against these kind of corporations who recently got their corporate tax being cut down from 35 % to almost 20 %. Neither they are hiring american nor they are buying Americans.
Product: Credit reporting

Incorrect information is being reported on my credit report, all medical information is private and reporting my medical information is against my HIPPA rights and is a direct violation of such.
Product: Debt collection

I was attending a university and when I needed to withdraw from a course was shifted from full time to part time status causing my expenses to increase. However, this occurred after disbursements for the semester. 

The University contacted me in XX/XX/XXXX and I attempted to set up a payment plan with the university and they were agreeable. However when I attempted to make the payment I was told I had already been turned into collections. Apparently, the person I had spoken with failed to notate my account. 
The debt to the school was {$940.00}. 

Upon trying to pay the collection agency I was turned into they said they will require {$1200.00} to absolve the debt. 

Today XX/XX/XXXX, I had an advocate call and attempt to settle with the company, they are are still unwilling to accept anything less than {$1200.00}. 
This is an outrageous increase- one third of the principal debt. 
However, when I contacted the school they said they are unable to assist in any way, the debt has been transferred.
Product: Credit reporting or other personal consumer reports

I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines. 
Under the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. Congress says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting. 
Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received. 
XXXX PLEASE DON'T RESPOND TO MY REQUEST SAYING THAT THESE ACCOUNTS ARE VERIFIED BY THE INFORMATION PROVIDER, SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS
Product: Checking or savings account

I disputed a charge made at XXXX XXXX for {$530.00} on XX/XX/year>. I did not make this charge, and I am the only person with access to my card. Without proof, they claim I authorized the charge or gave permission to use my card. I did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just noticed that there have been several inquires that have been added by someone that has stolen information. THIS IS FRAUD.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

XXXX XXXX continue to call me when I filed bankruptcy and relinquished all my responsibility for the vehicle to my ex-husband, they refuse to listen and yell about getting the vehicle.
Product: Debt collection

To whom it may concern, This debt was on my credit report in the past under another debt company " south west '' I continued to dispute this debt Its not my debt the utilities were being used by someone else after I left that apartment someone was stealing the electric so I was billed for it service was terminated. Now after disputing this several times it was off of my report so I'm like it's about time they believed me and fixed the issue so now it's back on my credit report under another name XXXX XXXX XXXX and once again here I find myself disputing it once more I want this rectified This company like the before mentioned company has no idea what happened and why I am adamant about not paying what I don't owe.
Product: Mortgage

I have been trying to do a modification on my home mortgage since XXXX XXXX I have done the process five times each time it is denied because paperwork requested The last two times it was denied for not returning paperwork there were still a few days left according to the request documents to turn the papers in still when the deny was made Here are dates and detail to follow I feel I am being discriminated again and mislead and lied to by this company XXXX XXXX sent first Application sent documents said I work hear by late XXXX. Never heard anything XXXX secondcalled to check status. Told it was denied for requesting documents not turned in XXXX XXXX Application third XXXX XXXX I recieved letter stating recieved appXX/XX/XXXX Financially complete XX/XX/XXXX Decision made by XXXX XXXX XX/XX/XXXX letter request documents sent in by mail Said they never record XXXX XXXX letter denial documents not turned in XXXX XXXX sent third app certified so they couldnt say they didnt recieve it XXXX XXXX letter stating recieved app XX/XX/XXXX its complete decision made by XXXX XXXX Called XXXX XXXX and XXXX to check on modification could not get through to anyone It kept sending me to a modification department and the line would then disconnect my after a thirty minute hold several times XXXX XXXX I email customer service with my issues XXXX XXXX sent back forbearance documents requested XXXX XXXX sent in requested form and other requested documents XXXX XXXX they requested the income and other documents and gave till XXXX XXXX for documents return by date XXXX XXXX sent requested documents XXXX XXXX XXXX sent denial letter for not turning in documentation I still had till XXXX XXXX according to the letter they sent but denied it and told me I again had to start over I sent in Application fourth XXXX XXXX letter stating recieved App XXXX XXXX facially complete XXXX XXXX Decision made by XX/XX/XXXX XXXX XXXX second additional papers requested. Paystubs turn in date of XXXX XXXX XXXX XXXX sent in doc via email XXXX XXXX talk to XXXX she confirmed they had the documents Thats what I sent was alll that was being requested The phone call was recorded around lunch time XX/XX/XXXX letter of denial for not proper paperwork and again I had till XXXX XXXX to turn in documents so they still denied it before the time frame and I had confirmed it was there and complete days before I have called twice and when I ask to speak with a manager because they told me I needed to start over again I get sent to a voicemail for a person that didnt call back also tried emails on XXXX XXXX and XX/XX/XXXX no response to date
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX and list of Inquiries. 

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 card

Tran union has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where trans union has neither corrected nor Removed dispute items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as tran union inaction violates federal law and my rights as a consumer. 
I want the CFPB to publish this