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. 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I have both a Mortgage and HELOC with Truist Bank The Truist HELOC send notice that we need to send current proof of flood insurance, which we did online on their website and received confirmation. then received another letter that they did not have and if we did not respond by XX/XX/XXXX that they purchase insurance and charge us for it. We send copies before the deadline via website, via phone conversation /emails and via local branch of copies of the policy, but Truist is charging for insurance anyway due to the fact they are 5 days behind on processing. Not only have we complied ( with confirmations ) nowhere did they state that it needed to be send 5 days before deadline or we would be charged. We also can not make a payment without paying the insurance charge! I am sure if they are doing this to us they are doing this to thousands. Also where is the information going? If they can't keep up with a policy on their own website how can I trust they can properly account for money.
Product: Debt collection

PAM ACCT # XXXX : Requested data previously sent from Professional Account Management , LLC ( PAM ). I was repeatedly receiving debt notices, no longer from NJ XXXX, to whom I paid what was due via an XXXX XXXX credit card. I called XXXX NJ, as I have a Pennsylvania XXXX. The charges were incurred in early XX/XX/2019. I was extremely ill in XX/XX/2019 during that time, and was only able to get my mail sporadically. I was advised that the date I paid XXXX was late XXXX of 2019. PAM claims my file has already been transferred to PAM. My first bill from PAM was for {$400.00}. I explained this debt had been paid, but PAM asked for documentation. This agency, which handles all of New Jersey 's delinquent accounts, has no fax number, no email address, and only one phone number. I forwarded the documentation, and I have requested the contents of the entire file. When I received correspondence back from PAM a month later, the amount due was changed from {$400.00} to {$200.00}. 
When I called to get an explanation, I was advised that the payment was late, and therefore, four late fees in the amount of {$50.00} each had been assessed. I asked why the NJ XXXX operator took my initial payment, and had not included notice of the late fees. PAM did not respond to this inquiry. I believe this agency is either illegitimate or preying on consumers, and I respectfully request assistance in resolving the situation.
Product: Money transfer, virtual currency, or money service

Hi, I am client of XXXXXXXX XXXX XXXXXXXX ( Headquarters ), XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX. I have made request XXXXXXXX XXXX  to transfer {$11000.00} to my bank account in XXXX to CLOSED JOINT-STOCK COMPANY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX. This transfer was made XXXX XXXX XXXX. 
And still I havent my money. 
Corresponding bank for this transaction in CITIBANK NY. And as XXXXXXXX XXXX said CITIBANK NY block this transfer, because of sanction. But XXXX XXXX not in sunction list and i think it illigal. Also i be informed by XXXX that CITIBANK NY closed XXXX Corresponding account XXXX Afte that i reqvrsted geting back my mony to the sender bank but its had not happend yet.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXX  {$510.00} XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$470.00} 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: Checking or savings account

Cashapp banking isn't protecting my money as it should. I have to keep my card lock, because of companies doing unauthorized transactions on my card. I'm also dealing with a XXXX company constantly trying to make transactions on my cashapp card. It took money before. I've disputed many transactions and no, I haven't gotten any money back. I would like if Cashapp could do more security on its app to secure my money
Product: Credit reporting or other personal consumer reports

XXXX XXXX was addded to my credit report and it wasnt be I never applied for XXXX. 

XX/XX/ That was fraud and I never authorized for my credit to be used
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised! It has been brought to my attention that you are not REMOVING items even when theyre sent with an FTC report # XXXX. This is my new complaint that I am a victim of identity theft and I submit to dispute these items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of these items in my credit file that resulted from an alleged identity theft. I also attached here my new FTC report with reference # XXXX : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX -- -- -EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX -- -- -- XXXX -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. These items are unknown to me. Also, the information you provided on these inquiries was DELETED from other bureaus and I have doubts about their accuracy and the reported history date on these inquiries are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit card or prepaid card

Been trying to get SCRA benefits applied to my account, I've been unsuccessful.
Product: Debt collection

United revenue corp has reported to the credit bureau that I owe them money and thats not true! Its fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Report act 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for Chapter XXXX Bankruptcy on XX/XX/XXXX and listed XXXX XXXX XXXX. XX/XX/XXXX is the last month I paid my bill, during this time XXXX XXXX XX/XX/XXXX sold my debt to a third party so XXXX XXXX XX/XX/XXXX no longer owned the debt. A creditors claim was submitted and the trustee paid my accounts in full because my plan was a 100 % plan. I contacted XXXX to fix the two accounts on my credit report for XXXX XXXX XXXX as they were still listed and owed on my credit report. My credit report was showing they were delinquent and potentially negative. I let them no that XXXX and Experian did not have these accounts listed on their reports. On my previous XX/XX/XXXX Experian Report ( XXXX ) these accounts were to be removed from my account in XX/XX/XXXX. After XXXX did an investigation the new report still shows the accounts delinquent and potentially negative, starting from XX/XX/XXXX, with a balance updated on XX/XX/XXXX and that these accounts will not be removed until XXXX. Experian has used the payment from the trustee, which they can not do and used it against me to the move the aging and removal date. Once the bankruptcy is filed everything is frozen.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for violating the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX which defines the obligations of credit reporting agencies to ensure the accuracy and integrity of the information they report. I disputed inaccurate information on my credit report account ( # XXXX ), but XXXX failed to follow up or correct the errors. 

XXXX actions also violate XXXX XXXXXXXX, which requires credit reporting agencies to conduct a reasonable investigation when a consumer disputes information. The CFPBs recent lawsuit against XXXX, alleging the acceptance of unreliable information and failure to notify consumers of dispute results, mirrors my experience. This failure has negatively impacted my credit and ability to obtain financial products. 

Experians negligence in this matter violates my consumer rights under the FCRA, and I request the CFPB investigate and take corrective action.
Product: Credit card or prepaid card

The company referenced in this complaint responded to prior complaints with the Consumer Financial Protection Bureau ( cfpb ) on XX/XX/2020 acknowledging that they are working on the complaint with a maximum 90 day period to complete the process. However, I would like to point out that the company has only partially processed the complaint, per my online inquiry on the account. The company Comenity Bank failed to do the following : 1. ) ISSUE provisional credit for purchase of {$1300.00} dated XX/XX/2020. 2. ) Purchase mentioned above should be on 24 months no interest plan, NOT the low APR plan in which I did NOT select. 3. ) ISSUE credit for {$3.00} finance charge dated XX/XX/2020, since Comenity Bank has the purchase on the wrong finance plan through no fault of the cardholder.
Product: Debt collection

This letter is a formal complaint. You are reporting inaccurate and incomplete credit information, according to the Fair Credit Reporting Act 609a ( 1 ) a ; you are required by Federal Law to verify threw physical verification of the Original sign CONTRACT with me and your company. Any and all accounts you post on a credit report, otherwise any one paying you for debt is probably fraudulent. I demand to See a Verified Proof. If you fail to Validate, Remove from my account immediately.

Again this is my correct information, here below. When you system is UPDATED send me an copy of it also with the proof of physical verification.
Product: Credit reporting or other personal consumer reports

XX/XX/2023, I looked at my report. I sent a dispute to Experian asking them to reinvestigate these accounts ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/2023 they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same ... and according to 15 USC 1681 i ( 5 ) they are suppose to do this ( 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according t

o 15 USC 1681eb they are supposed to ensure th ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. and according to 15 USC 1681s-2 this is suppose t
o happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Experian really did not reinvestigation they lied on an official document saying they did something they did not do.
Product: Mortgage

I lost my job and my unemployment expired.i had a notice ( not sure what they were telling me. ) As soon as I had some money, which was in the beginning of XX/XX/XXXX, I sent them over {$2000.00}. They have not responded in any way. I have filed for XXXX XXXX XXXX and am waiting for a determination. 

I would like to talk to them about purchasing the house, as I now money available for me to purchase the home. Otherwise wil be homeless as i am single and do not have anywhere else I to live permanently.
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized accounts on my credit report resulting from a data breach. These accounts were not authorized by me, and their reporting violates my rights under the Fair Credit Reporting Act ( FCRA ). The disputed accounts are as follows : XXXX  ( Account Number : XXXX ) XXXX  XXXX ( Account Number : XXXX ) XXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX  ( Account Number : XXXX ) XXXX ( Account Number : XXXX ) XXXXXXXX XXXX XXXXXXXX ( Account Number : XXXX ) Issue : These accounts are unauthorized and were not opened or approved by me. They appear to have resulted from a data breach and contain inaccuracies and unverifiable information. 

This is statement affirming that these accounts are not related to any transactions I authorized Proof of my identity A copy of my identity theft report Identification of the disputed accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on this website called XXXX XXXX that was looking for offers for me to refinance my current car loan. They asked me a bunch of personal questions and when that was over I clicked a button to continue to see my offers. On every other site I have tried ( like XXXX XXXX XXXX or XXXX XXXX  ) that provides loan services uses a SOFT INQUIRY when looking. They also ASK YOU if you would like to continue with a HARD INQUIRY if you got preselected. After a few minutes I got like 4 emails from different agencies and a HARD INQUIRY from XXXX XXXX XXXX hit my credit report. I did not verbally authorize this company to check my credit report. I did not ASK them to run my credit. No where on the pages when I was answering their questions did I see the words saying that a HARD INQUIRY was going to be used when looking. I would like this inquiry removed as soon as possible due to the subversive nature of this website and the means in which they acquired my credit report without my knowledge or approval. 

Inquirer : XXXX XXXX XXXX Inquirer Phone Number ( XXXX ) XXXX Industry Type : Finance/Personal Inquirer Address XXXX XXXX  XXXX, XXXX, TX XXXX In addition to this, I'm a XXXX veteran and have various credit cards and a vehicle - all of which I gave PERMISSION to the company that gave me the cards and vehicle to run my credit report to gain those items.
Product: Mortgage

Property closed on XX/XX/XXXX via United Wholesale.

Mortgage servicer was transferred to XXXX XXXX on XX/XX/XXXX. 
I discovered in XXXX, XXXX that a tax certificate was issued on my property due to non-payment of XXXX taxes that were due in XX/XX/XXXX. 
I promptly contacted XXXX XXXX who agreed with me - and paid the outstanding tax certificate with interest and penalty in XX/XX/XXXX. 
However, the bulk of funds used to pay these overdue taxes were from my XXXX escrow account! I am now almost completely wiped out and owe almost {$6000.00} for XXXX taxes. A letter asking for increased escrow has come. 
More disturbing is that XXXX county taxes were identified on the closing statement as {$4000.00}. Instead of XXXX paying the property taxes or putting the money in XXXX escrow for XX/XX/XXXX payment, nothing was done. Several calls to the title company revealed that they had no responsibility- I am told XXXX provided the tax amount and United should have paid the taxes.
Product: Credit reporting or other personal consumer reports

For TRANSUNION. These companies have fraudulently pulled my credit without my authorization. I believe this is fraud. I need these inquiries removed immediately or I will take further action. I have contacted these companies for weeks and nobody is responding to me. Please look into this as soon as possible. Thanks. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The existence of this account has caused me significant distress, to the point where it is affecting my XXXX XXXX XXXX I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Product: Debt collection

On XX/XX/2020, I received a letter from Sklar Law stating that my wages are going to be garnished. The was no reason given, no prior notification regarding the debt. I did not receive any invoices, documentation of money owed or any other notifications relating to this debt. They added in this letter the name and address of my employer which I found extremely alarming. 
Also, the date of this letter was XX/XX/2020 stating I had ten days to respond. However, this document was mailed out after the date my response was required. 
I mailed a letter to Sklar Law and Superior Court certified return receipt requesting documentation relating to this debt and Sklar refused. His response to my request to provide proof was to call his office. However, I do not want to speak on the phone, I want everything documented. I am apprehensive asto whether this debt is fictitious. lso I'm inquisitive as to why the are hiding all information pertaining to threats of taking money from my paycheck. 
Most of all Sklar Law transferred my case from XXXX county Court to XXXX county Court for garnishment without notifying me I found out when I called the court and XXXX the court clerk said it was transferred to XXXX XXXX XXXX county. I  called his office and his assistant refused to provide me any information. Why are they withholding information as to why they are switching my case to various courts to take money from me without my knowledge.
Product: Mortgage

I have been asking for help since XX/XX/XXXX from my lender. asked for forbearance and was told I didn't qualify for any programs for assistance although I still sent applications for assistance. now it's XX/XX/XXXX and they still will not help me. preparing legal papers for foreclosure now. 
I also applied for help from HAF AZHousing and was told my application was rejected or not completed when I saw my application on my account. they are out of funds now everywhere I apply. This was in XX/XX/XXXX. I don't understand why I'm not able to get a deferment for 3 months. Select Portfolio Servicing refuses to help me still.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just discovered today a hard inquiry from over a year ago. Its origin and relationship to me is dubious and since it is not showing on XXXX XXXX, I am wondering if this could be a security breach on the part of Equifax. I am enclosing a copy of the letter I drafted and sent to Equifax.
Product: Mortgage

I submitted an initial complaint on XXXX/XXXX/XXXX, of which received XXXX status calls back from Bank of America, however, XXXX from the BofA Regulatory Complaints Dept ( XXXX XXXX ) has no clue of THE CURRENT BOTCH-UP in the works at Bank of America, and based on her latest message to me on XXXX/XXXX/XXXX, likely has no idea of the current status either. On XXXX/XXXX/XXXX Bank of America finally decided to pay my insurance policy premium ( TWICE ). Not only did they pay it twice, THEY ALSO PAID THE WRONG AMOUNT ... ... ..TWICE. 
The invoice presented to them was for {$4600.00} ; after some XXXX calculations, they in their less than impressive infinite XXXX, issued XXXX checks for the same incorrect amount on XXXX/XXXX/XXXX ; XXXX checks for {$3400.00} ( totaling {$6800.00} ). To that end, we have gone from begging them to pay a single invoice of {$4600.00}, to observing them pay XXXX INVOICES in amounts of their choosing. 
As a result, now my escrow account is negative, as my City/School Real Estate Taxes were disbursed on XXXX/XXXX/XXXX. IF THEY HAD NOT PAID THE INSURANCE INVOICE TWICE IN THE INCORRECT AMOUNT, the escrow account would not be currently negative by {$2600.00} as one of the overpaid invoices of {$3400.00} would have still been in the account. 
I can hardly wait for the next screw-up which I 'm sure will result in a reanalysis of my escrow account and an increased payment if I do n't somehow replace the shortage created by their latest XXXX ( or XXXX if we 're looking for a more direct assessment ). 
During today 's 33 minute call with Bank of America, I was advised that they paid the invoice twice because we submitted it twice. In fact, we submitted invoices since XXXX/XXXX/XXXX, all in the amount of {$4600.00}, and none were paid, until they decided to pay {$3400.00} twice on XXXX/XXXX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX