23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1200.00}. Inquiry : XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Checking or savings account

On XX/XX/XXXX i made a transaction via XXXX for {$230.00} and on XX/XX/XXXX i made another transaction via XXXX which is a XXXX company for {$290.00} for shoes from the company XXXX XXXX. 

The company is now bankrupt and in federal court for fraud. XXXX and my bank ( Chime/XXXX ) have both denied and closed my cases and see no wrong doing. I have also filled out information with the FBI which is actively investing the company XXXX XXXX.
Product: Debt collection

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MN has violated the FCRA by filing a collection notice on my credit report without notice. The debt is for a XXXX account. I have never had a XXXX account. XXXX claims to have done an investigation but they would have had evidence of the XXXX credit check if I had ever had an account. So they didn't actually investigate at all outside of asking the collection company if I owed the money. How am I supposed to prove to them I've never had a XXXX account. I don't have documentation of something I've never had
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 consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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 XX/XX/XXXX has XXXX XXXX XXXX XXXX 

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

XXXX XXXX, assigned CrossCountry Mortgage Specialist spoke with me briefly prior to receiving my VA Loan Application XX/XX/scrub>XX/XX/2024 and pull a Soft Pull, Credit Scores seemed suspicious in it's intent, XXXX XXXX Credit Reporting Agency, as well as XXXX XXXX and XXXX XXXX, I've never seen such criminality, I applied for several Mortgage Loan and multiple Line of Credit Mortgage Loans, I never seen such criminality in all of life. I brought this to the attention of the Mortgage Specialist, XXXX XXXX, employee became combative and aggressive when I stated I just had a Tri-merge ran and my XXXX report was XXXX, that's a XXXX Point drop, or a XXXX Point Algorithum threat in a Discriminatory manner. Today I've Not received an update of this threat with the handling of my Tri-merge credit scores. These Scores dictate the interest rate of my VA Home Loan and the Discount Points of my VA Loan. This could mean several thousands of dollars of Repayment of my VA Home Loan as a XXXX Veteran. There are several updates that I gave both Factual Data and CrossCountry Mortgage, attn : XXXX XXXX Mortgage Specialist, but to-date no Response. I left multiple messages with XXXX XXXX Mortgage Specialist with No Respond. I've instructed XXXX XXXX that would have to escalate this matter with the proper authority, HUD and the Department of Veterans Affairs to get Resolve if this threat of Refusal to process my VA HOME LOAN properly.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666 a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late For any propose. The dates are as follows XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Company emailed me notice that they do not intend to investigate because they do not believe I authorized the inquiry 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. The information and Accounts listed below have violated my rights. 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. Consumer must get three disclosures before personal information is disclosed to a non affiliated third party 1. Names disputes- XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXX XXXX ( Name ID : # XXXX ) - XXXX  XXXX ( Name ID : # XXXX ) - XXXX XXXX XXXX ( Name ID : # XXXX ) XXXX. Address Disputes- Address ID # XXXX - Address ID # XXXX Single family - Address ID # XXXX Single family - Address ID # XXXX Multifamily - Address ID # XXXX Multifamily - Address ID # XXXX Apartment complex - Address ID # XXXX Multifamily - Address ID # XXXX Apartment complex - Address ID # XXXX Employer Dispute : XXXX. Current Employer - XXXX XXXX XXXX Account Dispute - Account XXXX XXXX  XXXX : Incorrect Status and balance Request immediate deletion - Account XXXX : XXXX  XXXX  XXXX  15USC6801 request immediate deletion - Account : XXXX XXXX XXXX  XXXX balance and status. Request immediate deletion - Account XXXX XXXX XXXX XXXX XXXX : Incorrect account status and balance. Resolved account request immediate deletion - Account XXXX XXXX Possible Finance : Incorrect status and Balance request immediate deletion - Account XXXX : XXXX XXXX  XXXX status and balance. Request immediate deletion - Account XXXX XXXX XXXX : incorrect balance and status : request immediate deletion - Account XXXX XXXX XXXX : incorrect balance and status : request immediate deletion - Account : XXXX : XXXX NO CONTRACT request immediate deletion - Account XXXX XXXX  incorrect balance and status : request immediate deletion - Account XXXX XXXX XXXXXXXX VIOLATION : request immediate deletion - Account XXXX XXXX XXXX incorrect balance and status : request immediate deletion
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00}
Product: Credit card

I have only opended XXXX credit card that I rarely use myself. Beginning of the year XX/XX/XXXX, I got an email about that I opened a card but never got the card nor opened an account. I have been getting alerts and late fee notices that have ruined my credit score. I would have payed in proper time if this was me that initially opened the account. I have been very confused and disregarding the emails and alerts but since I have checked my credit score, it had ruined it. The originally balance that was used was XXXX $ and had now accumulated XXXX $ in late fees. This originally happened back in XX/XX/2024.
Product: Credit card or prepaid card

I had previously filed a complaint with CFPB regarding Citibank 's failure to protect my personal private information. In its response to my CFPB complaint on XX/XX/XXXX which is attached Citibank informed me that my credit card balance information, my credit limit and my minimum payment due on the account will no longer be sent via unsecured email message. However, on XX/XX/XXXX, more than 12 months since the original response of Citibank, I received a statement notification, which is also attached, that included my personal private information. Another notification containing sensitive data was sent on XX/XX/XXXX, which is also attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent the dispute into this company and I have already filed a complaint through the CFPB pertaining to this matter. Please look into complaint XXXX-XXXX  i attached the proper identifying documents. This is the exact same info that is on my credit report. If they are refusing to investgate after all this time who do I turn to? What is the CFPB job or power in this matter? They are refusing to accept my dispute They are being very uncooperative and they are blatantly ignoring my cries for help. I dont know is it because Im a XXXX  man or if its because im from Texas. Or what. But I have sent these letters out to them on several occasions and they are refusing to respond. When I called they told me that they received the letter but still no response. there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), you will be liable for your willful non-compliance. Please Remove all Fraudulent accounts as i have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Product: Debt collection

Caine & Weiner is claiming a debt that is not owed, to them nor any other person ( s ). Caine & Weiner is using false and misleading statements in an attempt to collect a debt in direct violation of 15 USC 1692e ( 2 ) ( 8 ), spcifically that XXXX is a creditor, as defined at 15 USC 1692a ( 4 ). Caine & Weiner has continuously and repeatedly attempted contact via the phone at inconvenient times and at my place of business in direct violation of 15 USC 1692c ( a ) ( 1 ) ( 3 ). Caine & Weiner has made contact and withheld their identity and purpose of communication in direct violation of 15 USC 1692d ( 5 ) ( 6 ) which constitutes harassing and abusive communication. Caine & Weiner has continuously reported information affecting my personal and financial reputation and health, specifically alleged debt without proof of a contractual agreement with consumer in direct violation of Federal Rule 1002 and UCC 3-104.Furthermore, I have no contract with Caine & Weiner and never have. Caine & Weiner inaccurate reporting of my personal information is putting me at significant risk of Identity Theft and Fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX  XX/XX/2020 NEGATIVE ACCOUNTS : -XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX CT XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXXXXXX XXXX  XXXX .... Balance : {$50000.00} ; XXXXXXXX XXXXXXXX XXXX XXXXXXXX .... Balance : - XXXX XXXX XXXX XXXXXXXX XXXX .... Balance : XXXX XXXX XXXX XXXX XXXXXXXX XXXX .... Balance : - ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Checking or savings account

About 3 weeks ago I had a log in problem. It was 2 weeks till it was fixed. I could reset my password and it was not accepting the current one. I tried for 2 weeks calling people and going up to the branch. The last time i went up there the teller that helped me was getting mad as i was. She finally found out that someone deleted my security questions preventing from reseting password. I threaten to take all my money and swith banks. 2 or 3 weeks later I get a letter sayng they are closing my accounts. I went to the bank and was going to get some out to open a new account elsewhere. They would give me my money and called the police. They will not verify my email so i can transfer funds. I actuality they are stealing my money. Right now i have {$35000.00}
Product: Checking or savings account

In the past 6 months Bank of America have charged me over {$1500.00} in over draft fees. This has never happened before because, for the first time in my life, I became unemployed in the last two years and have struggled with managing money and now Im starting to realize how much they prey upon people having money problemsthey certainly never bothered me when I had a six figure salary. 

These fees have been triggered by delays in notifying me of low funds, weird time zone rules attached to different accounts that were opened in different time zones (!? ) all the way down to them charging me overdraft fees that then sit there without proper notification and then trigger further compounded overdraft fees. 

Ive contacted them multiple times about the fact that I havent been notified in time or times when I notice myself and transfer money and get the transaction covered in time within the 24 hours and they charge me anyway. Sometimes they dont notify me at all and it feels like theyre deliberately delaying over a day any notification so that they can charge me the fees anyway. 

In my uploads Ive included all of the fee information from a couple of my different checking accounts but also some time and date stamped email notifications from BOA that correspond to fees that date days after the charge has been incurred. 

I had read an article recently that an attorney friend sent to me about how theyre being investigated for such practices and because Ive tried 5 to 6 times to have them refunded and they refused I thought I would submit this here in an attempt to get my money refunded. Thank you for your help.
Product: Mortgage

NewRez financial has applied an escrow account that I have not applied for or authorized. I have tried to call the company multiple times to have it removed. Each time they advised they will remove the additional charges and they have not. My mortgage is still {$150.00} more per month than what we originally agreed to.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I applied and got denied for a credit by XXXX XXXX ( refer to exhibit A ). As a result I requested my consumer file from the three national credit reporting agencies, including Equifax, through the annualcreditreport. Although XXXX and XXXX provided my file, Equifax stated that they were unable to confirm my identity ( refer to the attached exhibit B ). 

On XX/XX/2023, I sent a letter via USPS to request complete disclosure of my consumer file. However, up until today, Equifax has not responded ( refer to attached exhibit C ). 

On XX/XX/2023, I made another request through the annualcreditreport. Equifax replied by saying that they were experiencing difficulties processing my request ( refer to attached exhibit D ). 

On XX/XX/2023, I attempted once again to obtain my consumer file. Equifax responded by stating that the report had already been received ( refer to attached exhibit E ). 

On XX/XX/2023, I made another attempt to obtain my consumer file. Equifax once again replied with the same response that the report had already been received ( refer to attached exhibit F ). 

Since XX/XX/2023, I have been persistently trying to access my consumer file from Equifax, but they have either ignored or refused to provide it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion was informed numerous times that they were in violation of Fair Credit Reporting Act. Transunion has failed to comply, and failed to provide me with reasonable procedures. This is my final offer to correct the erroneous conduct or I will seek to file for litigation. 

Notice : Mail Tracking ID : XXXX Notice : Mail Tracking ID : XXXX Please see and read all attachments below for further proof of claim and clarity on this matter. Thank You.
Product: Debt collection

I paid this debt in XX/XX/2018 and was sent a paid in full letter by their 3rd party collection agency. I followed their protocol and waited the time period for the debt to be updated to all 3 credit bureaus as paid, however, it is still being reflect on credit as unpaid. I have sent numerous fax, made countless calls, and sent a certified letter to XXXX XXXX and Experian with the proof of the paid in full letter. I have disputed this debt several times with the credit bureaus and provided the paid in full letter as proof.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

BMG is contacting me by text at all hours of the day. XXXXXXXX XXXX texts. Steady phone calls. Steady emails. They do this from various numbers. Its endless. And they dont give me an option to stop further communication. Text, phone message or email. Neither of them have options to opt out of that manner of communication. They also, not one time, adjusted my interest rate. I have been paying this account on time for a while. Just recently I got behind. I was out of work on a job related injury and was forced to retire. My money is not steady. But they bombard me all day from different numbers. Constantly. Not one time in all these loans did they ask me about my finances. My ability to pay back. Refinancing was done by the click of finger. One click, more debt. Now its a mountain of debt. The interest is crazy. And it never adjusts.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : 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