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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 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 its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX XXXXXXXX XXXX are financial institutions by definition under that title. 15 USC 1681 section 604 a 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. '' XXXX XXXX XXXX XXXX XXXXXXXX XXXX, the financial institutions and the Consumer reporting agencies Equifax, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Equifax, XXXX, and XXXX XXXX  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 nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX XXXXXXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that but it states in 15 USC 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A 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 1681e 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 1681b of this title. Equifax, 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: Checking or savings account

There are different accounts different numbers on my statements and something doesn't add up in any of these statements you look at these statements and tell me if anything adds up right because I didn't see any of this money but my social security XXXX. OK look at my account number I gave you and look on my bank statements and tell me if you see something wrong at each statements
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was Name : XXXX XXXX Account : XXXX XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud account on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent account and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Bank statement, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking this account is inadvertently resulting in me being extorted.
Product: Credit reporting or other personal consumer reports

As I looked at my consumer report I noticed a late payment for XXXX  bank in 2022. The information is marked differently across the bureaus which shows inaccurate reporting. This affects how creditors look at me and has harmed my score for awhile. Its my right to have accurate information reported when it comes to my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX funding shows two separate derogatory remarks on my Experian account. One amount was for just under {$2000.00} and the other for approximately {$900.00}. 
I made the dispute with Experian, waited approximately a month to find that Experian is reporting the debt as active. 
Through the Freedom of Informations Act, it is clearly stated that the debt has been disposed of in the Court of Law many years ago. Additionally, this alleged debt is well over 7 years past un-acknowledgement. 
This is causing major issues while trying to find a safe place for my family to live. 
It would appear that Experian reached out to the alleged debtor, were told it was accurate, satisfied with the answer and did not attempt to investigate public record. 
This does not appear to be a dedicated consumer advocate. Resolution has been established and needs immediate attention to verify accurate status as established in the NYS criminal justice system.
Product: Checking or savings account

After opening a Santander us checking account and having money available on my account I havent been able to withdraw money using any available option. I try at different Santander atm and was denied the withdrawal request. I went to the branch and there they tell me everything was looking good with my account that they have no idea whats going on with my account. My XXXX doesnt work I havent been able to pay for money orders as every time I try to pay for transaction it gets block and every time I contact Custumer support they have me on the phone for more than two hours and verify all my info and tell me time and time again that I am good to go but when I go back to try using my card again to withdraw money I get denied again. I am tiered of dealing with this situation, I feel like they have my money hostage at this point. No matter how many times they authenticate me or how many times I go in person to the branch I still havent been able to withdraw my money from this account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
The reported accounts are XXXX Different XXXX XXXX XXXX  Accounts Ending in XXXX, and a XXXX XXXX XXXX XXXX Account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to Equifax XXXX  & XXXX. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.
Product: Debt collection

This company calls me several times per day and at unusual times in an attempt to harass me for a bill I do not owe. They are calling about a corporate credit card past due amount and I have not worked for the subject company for approximately one year.

I have explained to this company that I do not owe this bill but they robocall me every morning and evening and on weekend mornings.
Product: Credit reporting, credit repair services, or other personal consumer reports

A request was forwarded to Experian regarding multiple accounts requesting them to provide verifiable proof of the negative events they are showing on my credit report, and to date, I have yet to receive any information to confirm that the information they are reporting is accurate or correct, needless to say, they continue to report INCOMPLETE accounts. I have contacted Experian 's office on XXXX XXXX, 2017 and spoke with XXXX ( in the Disputes Department Team Paragon ) the  United States and advised of this and he placed me on hold and did a conference call with one of the creditor 's in question. I asked XXXX if they did this upon my initial request, why in fact are we doing this again. According to him, they did n't do this before, they only sent an automated request and awaited the company 's reply. I advised him that this is not a reasonable investigation according to the FCRA and them continuing to report incomplete account information is complete violation of the FCRA. According to XXXX, the companies are allowed to report whatever they want to report and Experian ca n't do anything about it. I reminded him that this is willful and malicious violation of the FCRA and self admittance that they are n't in compliance and are not able to verify anything that the companies are reporting. He stated there is nothing that can be done. <P/>We finally were connected to XXXX at XXXX XXXX XXXX XXXX, which was one of the accounts in question. I asked if XXXX if they received a credit dispute from Experian and he confirmed the dispute came over on XXXX XXXX, 2017. Per XXXX at XXXX XXXX, he stated that the request came over that the needed to verify name, address and DOB. I advised him that this was not the nature of the dispute sent over to them. I asked XXXX at Experian to refer to my letter sent over and he did and he stated they disputed the account as " NOT MY ACCOUNT ''. I advised him that nowhere in the letter does it state that and hence the reason for the account still reporting incompletely. Per the information on the updated credit report, it reflects that the account was " updated '', HOWEVER, there is no new, updated or changed information on the report. <P/>We were able to contact the Office of the President of XXXX XXXX XXXX XXXX  and spoke with XXXX ID Code : XXXX who confirmed the information came over as they needed to confirm the account holder 's name, address and personal information. ,
Product: Credit reporting or other personal consumer reports

CFPB XXXX XXXX Is still open and unresolved. It has been 45 days and this has not been addressed. 

YOUR COMPLAINT The Fair Credit Reporting Act ( FCRA ) is a federal law that governs how consumer credit information is collected, used, and shared. Section 1681b of Title 15 of the United States Code ( 15 USC 1681b ) specifically addresses permissible purposes for obtaining consumer reports. It outlines the situations in which a consumer reporting agency is allowed to provide a consumer report to someone. In summary, 15 USC 1681b outlines the permissible purposes for obtaining a consumer report, and it generally restricts access to consumer reports to situations where there is a legitimate need. Permissible purposes include : In response to a court order or federal grand jury subpoena. With the consumer 's written consent. For a legitimate business need in connection with a credit transaction initiated by the consumer. For employment purposes ( with certain restrictions and additional requirements ). For the underwriting of insurance. When there is a legitimate business need related to a transaction initiated by the consumer, such as reviewing an account or collecting a debt. To comply with laws, regulations, or a legitimate government need. The following Non-permissible inquiries are listed on my credit report. XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I inherited 4 CD IRA accounts in Apple Bank of NY. I have sent all the pertinent information to the bank such as a letter of administration, death certificate, etc. I am trying to transfer an inherited IRA to my brokerage account. The bank apparently requires a semi-annual statement to initiate this transfer. I asked the bank to send me the last such statement but they refused ; they said to wait when they issue this statement. 

This back and forth has been ongoing since late XX/XX/XXXXof this year. 

No documents are included because the bank already has the material
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a letter to the 3 credit agencies known as Equifax, XXXX and XXXX. As of today XX/XX/XXXX, I have yet to hear from XXXX. I heard from Equifax and XXXX. They deleted some of the incorrect information ; however my credit report is still inaccurate. As a result, according to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. 

Again I mailed these letters on XX/XX/XXXX and I have yet to hear from XXXX. Therefore I am asking that they delete all of the accounts that I inquired about. I have enclosed parts of my credit report to show the inaacuracies that are still being reported. 

Exhibit A The past due amounts are clearly incorrect. XXXX is reporting that {$65000.00} is past due and XXXX is reporting that {$140000.00} is past due. 

Exhibit B The circles represent all of the inaccuracies. In regards to the payment history, Equifax is reporting that the account was charged off starting XX/XX/XXXX. However, XXXX is showing that the chargeoff started XX/XX/XXXX. Also all 3 of the agencies are reporting that the balance due total is XXXX. However, I am receiving letters from XXXX stating that the balance due is {$12000.00}. XXXX  has been harrasing me about a balance due when clearly the due balance is XXXX. 

Exhibit C XXXX is reporting that I have no payments on the account under payment history. However, XXXX is reporting that I started making payments in XXXX of XXXX, This information is inaccurate. Also please keep in mind that Equifax deleted this account because it is inaccurate. 

Exhibit D Equifax is reporting that this account was paid on time starting XX/XX/XXXX and was charged off starting XX/XX/XXXX. XXXX is reporting that this account was paid on time starting in XXXX of XXXX and charged off in XXXX of XXXX. This is clearly inaccurate. Equifax is showing that the account was paid on time in XXXX of XXXX but XXXX is stating that it was charged off by then. XXXX is stating that I made no payments on this account which clearly contradicts everything
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting XX/XX/XXXX, XXXX XXXX illegally changed the due date on all my credit card accounts with them. They have also changed the due date for tens of thousands of their card holders. In doing so XXXX XXXXXXXX violated Federal Law as well as my rights and the rights of thousands of their cardholders : The three accounts where dates were illegally changed are as follows : XXXX XXXXXXXX XXXX XXXX. Account XXXX XXXX {$4700.00} XXXX XXXX XXXX XXXX. Account XXXX XXXX {$7600.00} XXXX XXXX XXXX  XXXX. Account XXXX Balance {$5400.00} TILA ( Truth in Lending Act ) ,15 U.S. Code 1637 and CARD ACT of 2009, ( o ) DUE DATES FOR CREDIT CARD ACCOUNTS- ( 1 ) IN GENERAL - The payment due date for a credit card account under an open end consumer credit plan shall be the same day each month. 

From XX/XX/XXXX XXXX XXXX unilaterally without permission and illegally changed mine as well as other customers ' due dates and continued to fraudulently report these inaccurate dates and incorrect reported dates to credit reporting agencies. Worse, they did not make any notice on the statement about account changes as prescribed by law. 

As per Sec 127 15 U.S. Code 1637 it is clear the due dates can never be changed unless a consumer requests it. XXXX XXXX willfully violated the due date nullifying all late payments as invalid as the due date was not correct thus any lateness reporting is also false. Furthermore the dates reported are simply inaccurate. On top of this they changed the billing cycle dates, also illegal. I have asked for corrections on this issue with the credit bureaus and XXXX XXXXXXXX multiple times and they continue to report that everything is accurate and their reporting history is accurate.
Product: Student loan

Hello, I have a student loan with Navient that I do not even remember applying for. I have been making payment the best that I can but I don't believe that this is correct. The origination date - XX/XX/2007 - Supposed Original Loan amount ; {$8200.00} ; Supposed unpaid Principal {$24000.00}. I requested the promissory note and all documents regarding this student loan but they could not provide the necessary document for me to investigate.
Product: Mortgage

MR COOPER HAS MY LOAN. I HAVE BEEN TRYING TO GET AMORTIZATION SCHEDULE FROM THEM UNSUCCESSFULLY FEW TIMES. WHY IS THIS INFO NOT AVAILABLE ON MY ACCOUNT. I WAS ALWAYS ABLE TO VIEW THIS INFO WHEN XXXX XXXX HAD MY LOAN?? HOW CAN THEY GET AWAY WITH THIS. I MAKE EXTRA PAYMENTS TO MY PRINCIPLE BALANCE AND I HAVE TO WAY TO CHECK IF THIS IS BEING CALCULATED CORRECTLY BY THEM SINCE AMORTIZATION SCHEDULE IS NOT AVAIALBLE!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a credit alert on my XXXX and TransUnion credit accounts on XX/XX/2022. My credit report show shows inquiries by XXXX XXXX I do not recall authorizing XXXX XXXX to use my social security number for no business in reference to obtaining credit cards. I applied under my business EIN # not my social as a matter of fact. I was applying for a business card which on the form states EIN or Social. This misleading, deceptive and Unfair Advertising to the consumer. I had an option to use either my social or EIN. I choose to use my EIN because my business credit is strong. 

If you find that I am remiss, and you did have authorization to inquire and use my ( social security number ) please send me proof of this. I use my EIN number because it was an option on the XXXX  XXXX website and if its not an option then XXXX XXXX is committing fraud under subpart 1603.70 Misleading, Deceptive UnFair Advertising. 

Subpart 1603.70Misleading, Deceptive, or Unfair Advertising This bill restricts online advertising that targets an individual, internet-connected device, or group of individuals or devices based on personal information. Personal information includes information that is reasonably linkable to an individual or connected device such as internet browsing history or the content of communications.1603.7001 Policy. ( b ) OPM discourages advertising that is misleading or deceptive. This in-cludes advertising that is directed at other carriers plans participating in the Program and which uses incomplete or inappropriate comparisons or disparaging or minimizing techniques.
Product: Credit reporting, credit repair services, or other personal consumer reports

We were discussing with my credit card CAPITAL ONE about some charges from the same company ( XXXX ) that I reported as a fraud, after months and many phone calls 3 out of the 6 charges were cancelled. I was told several times that it was not going to affect my credit because it was under investigation but I realized later that they did reported 2 times my lack of payments. 
I was expecting a written results of the investigation, when I did complain they told me that I lost the case, my Fico was really affected and then I asked for a written result of the investigation, they promise to send it but I never got it. To avoid more damage on my credit I immediately paid the full amount but is unfair because they never notified me the final result of their investigation. 
The acct # was changed 3 times because the fraud claims. 
ending # XXXX, then # XXXX and # XXXX
Product: Debt collection

I was recently contacted by KASON CREDIT CORPORATION in regards to an outstanding balanced owed to XXXX XXXX XXXX XXXX in the amount of {$450.00}. I was a victim of identity theft, personal identification and other sensitive information to my identity was stolen. I have filed a ID Theft Report report with the FTC regarding the issue. This debt is not mine and believe my information was wrongfully used to open the account.
Product: Credit reporting or other personal consumer reports

XXXX financial deferred the payments in my business loan due to a financial hardship. It was then reported on my credit as XXXX late. I contacted XXXX and They apologized and sent me a letter from the CEO stating that they would work with the credit bureaus to correct the error. I forwarded that letter to the bureau to have it removed and They did not remove the 30 day later payment. I dont even think they looked at the letter I provided.
Product: Mortgage

I am having an issue with Lakeview Loan Services LLC Subservicing by XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX Loan Number XXXX XXXX XXXXXXXX The aforementioned has been giving me a difficult time removing the Monthly Premium ( PMI ) I am being charge. 

Per form HUD-92900-B it basically states that after 5 years, providing you paid and upfront insurance premium ( I did ) and your loan to value reaches 78 percent of initial sales price or APPRAISED Value of your home, which ever was lower, should allow me to request the removal of the monthly insurance premium. 

In XXXX of XXXX I was told by a representative of XXXX XXXX that I had to use one of  their appraisers. I was also told to send in a written request for removal of PMI which I have in my sent file. I have since made multiple request for a list of their Appraisers. 

Now XXXX XXXX whom now handles the servicing on the loan has stated to me that because I have FHA it has to be 78 % loan to value only through normal payments, and that I can not get the property appraised to remove PMI. Each call there is something new. I was told ( by XXXX XXXX )  that I closed on the house in XXXX of XXXX as it relates to refinancing. so from my research that should not be a problem as it was before XX/XX/XXXX. If it was after that date due to regulation changes I may have had problems. I have never been more than 30 days late. I sent a request to remove PMI on XX/XX/XXXX no response.