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 ) Account # 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: Debt collection

It originally started with my mother calling me because XXXX XXXX called her and indicated she was looking for her daughter in reference to a debt she owed. This immediately made me call the number back and advise XXXX to take my mother 's number off the call list, and inform XXXX that she had violated my rights by telling my mother i owed a debt. XXXX than begin to say she would now place my work phone number up there and XXXX hung up the phone. I then began to receive over 3 voicemails from this company at my shared office phone number. My manager forwarded them to me. I called and spoke to a " XXXX '' he refused to give me his full name or spell what he was saying so I dont even know if that name is correct. He also refused to give me XXXX XXXX XXXX, and he refused to let me speak to a manager or disclose the name of the owner to me when I asked for corporate information or supervisor information. Also XXXX lied to me, I asked him how did they even get my work number, he says you put it in on the application when you applied for this loan. XXXX told a flat out lie, as I have only been in this new job for less than 30 days, so it is no way I would have placed this number on the application as i didnt even have this job when i took out that loan. I told XXXX that although I owe a debt him and XXXX are using the wrong tactics to collect it and that I know my rights, as I did debt collection before when i was younger. XXXX then tells me he has been doing debt collections older than my age. I told him he was not supposed to be using personal information like my age, he then reads the credit file and tells me that I am XXXX and he has been doing this for 30 years. I have to file a complaint this company is not doing right and is violating peoples rights. THe email address is XXXX the phone numbers they have called me, my mother and now my workplace at are : XXXX and XXXX. Someone please help me this experience was horrible and they are violating so many rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SUBMITTED SEVERAL LETTERS IN XXXX ASKING TO REMOVE ACCOUNTS THAT ARE NOT MINE, THE LAST LETTERS WAS SUBMITTED XX/XX/XXXX I WAS TOLD BY THE CREDIT BUREAU THAT THEY DO NOT HAVE TO PROVE THAT ANYTHING IS MINES AND THEY CANT REMOVE THEM UNTIL I HAVE A LETTER FROM THE CREDITOR SAYING THAT THE BILL HAS BEEN PAID IN FULL. SOME OF THESE BILL ARE FROM ADDRESSES I HAVE NEVER LIVED AT, ANOTHER ONE I HAVE A COURT DATE FOR BUT DUE TO COVID IT KEEPS GETTING RESCHEDULED I HAVE ALSO REACHED OUT TO SOME OF THE CREDITORS MYSELF TO ASK FOR COPIES OF ANY INFO THE MAY HAVE AND NONE OF THE COMPANIES HAVE GIVEN ME ANYTHING, I HAVE ASKED TO PLEASE REMOVE THE ITEMS AND THE CREDIT BURAEU REFUSE TO CAN YOU GUYS PLEASE HELP XX/XX/XXXX {$1300.00}XX/XX/XXXX {$9600.00} HEARING IS XX/XX/XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an XXXX XXXX  IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated : Accounts : XXXX : Account Number : XXXX XXXX  XXXX : Account Number : XXXX INQUIRIES : XXXX
Product: Credit card

I made my payment to American Express on the Due date of XX/XX/XXXX in the amount of {$3600.00}. I got notice that payment was past due a couple of days later. I called AMX on XX/XX/XXXX and was told the payment was being processed and would show up in my account in 24hours. On XX/XX/XXXX I called AMX again and was told they did not have my payment althought my bank confirmed that an electronic payment had been made and cleared on XX/XX/XXXX. After 9 phone calls to AMX, the agent was able to locate my payment and told me it had been applied to an account that had been closed since XXXX. Due to AMX policy, this payment could not be applied to my active account and I was told I would get a refund check in 7-10 business days on XX/XX/XXXX. So I borrrowed money from a friend and paid my active account. On XX/XX/XXXX I called AMX inquiring about my refund check and was again told it would be another 7-10 business days. I request this situation be elevated to AMX leadership but was unable to submit an actual complaint or speak with anyone that could give me more definitive information on the status of my refund check. My concern is that AMX ( a ) applied monies to a closed account ( b ) several AMX agents could not find the money ( c ) promised to refund as yet to be fulfilled and I was quoted another 7-10 day period to expect receipt. I have absolutey no conficence in AMX refund process or when I will actually get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get the credit bureaus to remove inaccurate information on my credit profile and they have sent me continuous stall letters each time I request, and nothing is being done. I have sent them proof of who I am each time using my ID and a current bill and they are still telling me that I am not who I say I am.
Product: Mortgage

I applied to 5 lenders to refinance my home. After 3 of them wanted me to prepay for an appraisal fee, I quickly decided to hurry up and just go with one lender. The other 2 lenders are dragging their heels in refunding my appraisal fees that are being charged to my credit cards. I told both of them that I was going with Company A and that it seemed like the best deal for me. I requested a refund of the appraisal fee. Rocket Mortgage or otherwise know as Quicken Loans was very pushy and tried to sell me on their reputation instead of matching the lowest rate. They only refunded me {$450.00} instead of the {$500.00} due. Nobody told me that there were any application fees or credit check fees or fees of any kind that were going to be deducted from this {$500.00} deposit for the appraisal. Please make them refund me the {$43.00} due. Thank you for your time and help. 

XXXX XXXX
Product: Credit reporting

Transunion refused to show me how they verified the collection account XXXX. When I can not get a response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Collection Services is reporting a medical collection on my account from  XXXX   XXXX  in the amount of $  XXXX  {$2500.00} with a status date of  XXXX / XXXX / XXXX  and a date of first delinquency in  XXXX . This is inaccurate as it should have been filed with my full coverage medical insurance in  XXXX . I paid a co-pay at the time of the visit, as well. The representative from Credit Collection Services told me he did not have to provide me with a copy of the information showing this is a valid debt. I also called  XXXX  and they said that it would have been filed with insurance and did not have any information on this debt. Also, at the time of the hospital visit, I was told I could pay {$350.00} to not have this filed with insurance and there would be no additional bill OR I could have them file with my insurance. I chose to file with my insurance. This information is grossly inaccurate! As well, is n't the representative supposed to provide validation of the debt instead of telling me that he does n't have validation and is n't required to provide it? This is either an issue with  XXXX   XXXX  's billing/claims department or the insurance company and no one will resolve it!
Product: Mortgage

i have tried for 2 weeks to get online into my account. It will not take a password ..locks me out then does not send any code thru SMS text, call or email for me to get into account. The phone line gives you no email and the phone number is NOT OFFERING CUSTOMER SERVICE! I have talked to techs and others when they were giving you the optiion and they state they can not help me. Clearly their system is broken and they do not make any attenpt wither to fix it or assist me in any way. I can not access my mortgage account!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On    XX/XX/XXXX I retrieve my free annual credit report from Equifax. Looking over the report I identified some inaccurate personal information. Specifically there is a name specified in the " Formerly known as '' field that is completely foreign to me, as I have never used it, or known anyone with the specified name.
Product: Debt collection

repeated phone calls weekdays and weekends, early morning, late evenings sometimes after XXXX, calls received on cell phone and job phone. Threats regarding, bench warrant for my arrest.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle have failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

XX/XX/2020 : Refinanced my mortgage and funded on XX/XX/2020. Bank of America was paid off. 

As of XX/XX/2020 : 29 days after loan funding, Bank of America has not issued the escrow refund check per Reg X 1024.34 : Except as provided in paragraph ( b ) ( 2 ) of this section, within 20 days ( excluding legal public holidays, XXXX, and Sundays ) of a borrower 's payment of a mortgage loan in full, a servicer shall return to the borrower any amounts remaining in an escrow account that is within the servicer 's control. 

Have been on hold for over 1 hour and sent messages to Bank of America requesting assistance. Still on hold of no response. 

Bank of America removed online access to statements and documents from my old mortgage on XX/XX/2020 so I can not self service or view my former loan like their XXXX encourages me to do.
Product: Credit card

This letter is to formally express my dissatisfaction with the current interest rate ( APR ) on my PNC Credit Card account. The current APR is extremely high, resulting in a minimum monthly payment of approximately {$520.00}, while the interest accrued each month is generally around {$300.00}. 

Given the current economic climate of high inflation and rising costs of living, this minimum payment poses a significant financial hardship. My recent unemployment for six months has further exacerbated this situation.

I have previously contacted PNC Bank regarding this issue and requested a review of my APR or the possibility of a hardship arrangement. Unfortunately, my request was denied without any explanation or alternative solutions offered. 

I believe the current APR on my account is excessive and unsustainable, particularly in light of my recent financial challenges. I kindly request that PNC Bank reconsider my situation and explore potential solutions, such as : A reduction in the APR : This would significantly lower the monthly interest charges and make the minimum payments more manageable. 
A temporary reduction in the minimum payment : This would provide some financial relief during this difficult period. 
A hardship plan : This could involve a temporary modification of payment terms to accommodate my current financial situation. 
I am confident that a mutually beneficial solution can be reached. I have been a loyal PNC Bank customer for over 15 years, and I value my relationship with the bank. I kindly request that you review my account and contact me. 

Thank you for your time and attention to this important matter. 

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

I am writing to bring to your attention and update you with the consumer reporting agency, XXXX, who have actually conducted a proper investigation and subsequently removed the inaccurate information in accordance with the FCRA guidelines. After careful review of my other credit reports, I still noticed they continue to furnish false, misleading and inaccurate information on my consumer report that should not be there pursuant 15 USC 1681i and 15 USC 1681e ( b ) Accuracy of Report ; Furnishing inaccurate information is illegal! The agencies have violated METRO2 Compliance procedures and format for reporting! The consumer reporting agencies are reporting transactions and experiences that are to be excluded from the consumer report pursuant 15 USC 1681a ( d ) 2 ( A ) I and charge offs are considered income according to the XXXX  and excluded from the consumer report. The continued violation my federally protected consumer rights led me to OPT-OUT of reporting these accounts on my credit file pursuant 16 CFR 313, The Gramm-Leach-Bliley Act and The Privacy Act of 1974. Im opting out pursuant 15 USC 6802, 15 USC 6803 and 15 USC 6804 ; any authorization given, written or verbal is now RESCINDED! It is effective immediately! I demand these attached accounts be deleted from my consumer credit file. And according to the documentation provided by the Secretary of State Uniform Commercial Code Certification, there is no record of any lien ( s ) from any company against me. I have supporting documentation from the XXXX XXXX  XXXX to validate my claim. I also have proof of public legal notice, that all the liabilities have been transferred to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. Therefore, the inaccurate and erroneous accounts must be DELETED from my credit file. I am exercising my OPT-OUT RIGHTS and if Experian, XXXX, and XXXX continue to violate my consumer rights, I will accelerate legal actions pursuant 15 US Code 1681n - Civil liability for willful noncompliance -Please See Attached
Product: Credit reporting or other personal consumer reports

Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Product: Payday loan, title loan, or personal loan

I am struggling to make my payments and my payoff is a ridiculous amount that I can't afford. I am really struggling due to my son 's medical condition and I want to pay this off but the payment amount is too much and the charges are insane.
Product: Mortgage

I acquired a XXXX Loan in XXXX for my primary residence that XXXX modified in XXXX because it was a poor loan product, ( Neg-Am ). Myloan servicer transferred to Nationstar in XXXX XXXX and the terms of my loanmodification are not sustainable because of annual interest rate increases. Ihave been actively engaged with Nationstar since XXXX XXXX and eachapplication for a loan modification receives a different response with the samesubmitted documentation. My HUD counselor recommended a loan programcalled a FHA Short Refinance for homes with negative equity. I have called, emailed, and certifiy mailed Nationstar for XXXX-years about the FHA ShortRefinance program and Nationstar will not put in writing whether or not myNationstar supports this program. My lender is XXXX XXXX Bank, which theysupport the FHA Short Refinance Program. In my last letter received fromNationstar they assigned me my XXXX ( XXXX ) " Dedicated Loan Specialist '' which when you call their phone number, he states on his voice mail that hisname and phone number were inserted into XXXX of customers lettersby mistake and he can not help you, he proceeds to give you the XXXX customerservice phone number. 
Compliant:1 XXXX Nationstar fails to respond to my questions concerning FHA Short RefinanceProgram. 
2 XXXX Nationstar 's Dedicated Loan Specialists '' are not real ; only on paper theyexist ; I have not received a call back from a single Nationstar Specialist. 
3 ) Nationstar asks for the same documents multiple times stating they were notreceived. This has gone on for XXXX+ years when applying for loan modification. 
4 ) Nationstar uses the veil of waiting XXXX days to respond to every writtenrequest I 've submitted. This technique only allows XXXX back and forthcorrespondences in XXXX days ; thus, your documents expire and new documentsmust be resubmitted starting the process all over again. ( I have saved everyletter from Nationstar ) 5 XXXX My customer service representative responded to my last request withoutreading a single page of my package of material I mailed in. His response wasopposite to documents that HUD sent to me to give to Nationstar about FHAShort Refinance Program requirements. Nationstar stated that I did not qualifybecause I had a Conventional Loan and not a FHA Loan. The FHA ShortRefinance Program states you MUST have a Conventional Loan to beeligible and not a FHA loan. 
Thank you for taking my complaint about Nationstar performance as athe Servicer of my home Mortgage.
Product: Vehicle loan or lease

XXXX I purchased a XXXX XXXX XXXX at XXXX XXXX in Kentucky the lienholder listed is XXXX XXXX XXXX Acceptance XXXX Ohio. After an XXXX XXXX I ended up in North Carolina at XXXX XXXX. The XXXX XXXX was registered In North Carolina and I was given a plate. XXXX Westlake Financial sent me a lien-satisfied letter. I suppose during my XXXX XXXX, the lien-free title was sent to me and I never got it. In early XXXX, I came down to Louisiana and dropped off the car and all my things. I am currently XXXX in XXXX XXXX for XXXX years, being that I no longer need the car, I offered it to my mother. We tried to get the title with no such luck. In XX/XX/XXXX, my North Carolina plate registration was canceled and I had my mom send the plate to North Carolina. So now I have a car sitting in Louisiana with no plates because I can not register the car or donate it to my mom. I have made multiple attempts to get the title. Westlake Financial has just given me the run-around. I am in the XXXX XXXX and currently XXXX XXXX for my country, the XXXX, and it's a shame that I can not receive what is rightfully mine. I paid in full for that car and now I can do nothing with it.
Product: Credit card

In XXXX of XXXX  my checking and credit account were closed by Wells Fargo due to fraudulent activity. I reported fraud and was a victim of fraud so Wells Fargo closed my account. I still had an unpaid balance due on my credit account. When my account was closed I was unable to make payments online through the app. As a result, I tried to make payments through the phone and was told by the representative that they could not access my account because it is closed and I would have to go in person to a branch to find a way to make a payment. I went to the branch in XXXX  XXXX, CA and was essentially told the same thing that I was unable to reach this closed account. I continuously tried to find a way to reach my closed account and make my payments both in person at branches and over the phone but unfortunately was denied. The unpaid balance kept weighing on my credit account in which I eventually disputed and it was removed but now after time it appears on one of my credit reports again ( XXXX ). Can I please have this removed from all credit reports as I was a victim of fraud and should not be penalized via my credit report.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm having problems getting the credit bureaus to update my current address and removing old, outdated addresses reporting on my credit file.