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 # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # 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 an 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. I REQUEST FOR THIS COMPANY TO VERIFY BY PRODUCING A CERTIFIED COPY OF A LETTER WITH MY WRITING CONSENT GIVING THIS COMPANY PERMISSION TO FURNISH MY PERSONAL INFORMATION.
Product: Mortgage

We just recently found out that apparently the debt collector Plaintiff attorney law firm has been switched on XX/XX/XXXX and yet we received no notification from the Servicer,  the old law firm or the new law firm. 
The old law firm XXXX, XXXX, XXXX continued to correspond with us by phone and email thru XX/XX/XXXX even though they were no longer the law firm on the foreclosure complaint. They continued to give us false, incorrect and contradictory information. We only found out about this change when the Servicer Rushmore Servicer charged our account over {$1500.00} for fees for the new law firm, who has done nothing on the case, that we are aware, of that our account wasnt already charged for the previous law firm. When we questioned Rushmore, they had no answer of what the breakdown of fees was for and directed us to call the new law firm XXXX, XXXX XXXX XXXX. When our phone message was returned by law firm, they also had no idea what the fees were for, but had full knowledge of all the previous chain of events of the foreclosure complaint, which the law firm smugly and condescending tone talked down to us and went as far as to say to my that I am one of those guys and he knows my type. 
Im furious at the way I was treated by this law firm, as its my very first contact with them and ever and I was directed by the Servicer Rushmore to contact them to get my questions answered regarding the $ XXXX fees, which at this time present time today still has not been answered. 
Our complaint is against 1. the Servicer Rushmore for the fees added to the account with no explanation and incorrect Reinstatement balance. 
2. Old law firm XXXX XXXX XXXX XXXX XXXX for continuing to contact us and give us incorrect information, when to best of our knowledge and according to new law firm was no longer the law firm on the foreclosure complaint case as of XX/XX/XXXX. 
3. New law firm XXXX, XXXX XXXX XXXX for their unprofessional, smug and condescending attitude while speaking with me for the very first time and not answering our questions regarding their law firms fees charged by the Servicer. Which as of today we still have not had answered by the law firm as they said would happen on our phone call.
Product: Credit reporting or other personal consumer reports

I am submitting another complaint as a follow up still regarding several unresolved issues that demand immediate attention. According to FCRA section 605, it is imperative to remove any items listed on FTC REPORT # XXXX. Previously, I have provided these items in a prior correspondence, and I am reiterating them here alongside my new FTC report # XXXX. I have apprised my legal counsel of my intentions, and they are prepared to pursue accountability should there be willful noncompliance : EXPERIAN : XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- -XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX. Please note that you have a four-business-day window to remove the reporting of any fraudulent items from my credit file. I do not consent to E-OSCAR or any form of automated verification. Your swift attention to this matter and a response within four business days would be highly appreciated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is in violation of the FDCPA. This company has not validated this account nor did they provide me with a method of verification.
Product: Debt collection

the personnel threatened to take legal action, they told me if i chose not to pay then i would have to go to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my reports there is a closed account with huge amount of missed payments. DISCOVER FIN SVCS XXXXXXXX XXXX. Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA DISCOVER FIN SVCS XXXX has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

EQUIFAX IS ILLEGALLY REPORTING INNACURATE NUMBER OF CLOSED ACCOUNTS
Product: Credit card

I applied for an account with Bank of the West in XXXX 2015 they approved me and never sent me the card for six months they made an error with my name on the card. The introductory APR had expired and I had to call and request that be reinstated. I had my payments on auto draft and they stated one of the payments was not enough to cover the monthly payment so they had sent the account to collections. After I called they acknowledged that it was a bank error and credited the fees since that time I paid the account off in full. I started back using the card in XX/XX/XXXX made my first payment and then was ONE business day late on my XX/XX/XXXX payment and they closed the account. I never received a call or any kind of warning just a letter stating the account was closed due to delinquency it was reported on my credit report that the account has been closed by the guarantor which impacts my credit score. I would like my account reopen and my credit report updated to reflect that account is current and I will be paying the full balance. The standard practice should not be to close a consumers account as a result of them being one day late on a payment that is not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I suspended my XXXX XXXX account due to an overseas tour in XXXX XXXX ( Military ). Which I have orders to prove tour.A couple of months into my tour in XXXX I attempted to lift the suspension on my account to attempt to connect service where my dependents were staying in CA.When I tried to open the account back up my account could not be found.On XX/XX/XXXX, I opened a new XXXX XXXX account ( Account still active and still in good standing ) and made several attempts to rectify the issue having to do with the account suspended in XX/XX/XXXX.No information could be found on the suspended account. On XX/XX/XXXX after the current account had already been opened I received a letter from XXXX XXXX stating that my account had been sent to collections ( Already having a current account ). Upon receipt of letter I attempted to call XXXX XXXX directly to rectify the issue and it turned out that my information on the first account had been annotated completely wrong.Making it troublesome for me to be able to relocate my past account. When I was speaking to the representative the rep told me that there was nothing they could do, but that I could pay my account to rectify the issue.My wife 's name was completely wrong, my name was completely wrong, and my SS # had been annotated wrong by XXXX digit.This was a mistake on the provider 's part not mine.As of now, the " delinquent '' XXXX XXXX account negatively affects my credit even though I have a current XXXX XXXX account in good standing.
Product: Credit reporting or other personal consumer reports

I was a victim of the XXXX data breach. I contacted all XXXX ( XXXX, XXXX, and Experian ) credit bureaus via certified mail that there were incorrect addresses on my report and that they should be removed immediately. The address are still on my credit report. They are fraudulent and should have been removed over 90 days ago.
Product: Credit reporting or other personal consumer reports

I noticed on my account XX/XX/year> that my credit there is unauthorized accounts that I do not recognize nor approve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a settlement agreement with PNC BANK to pay what I still owed for my car loan, They agreed a settlement payment of {$4000.00} dollars, I paid the whole amount, they sent me the settlement letter and when I paid they also sent me the letter of XXXX dollar balance,, but in the 3 bureaus the account is still open and with a balance of {$2300.00}, they reported my payment of {$4000.00} dollars like a regular payment and not like a settlement, so the account is on my credit report with a balance when it have to be with XXXX   balance and closed.I called them and they told me that Im the one who has to make the diligence to update my credit, that they do not have to report it to the credit bureaus, later they reported the payment like a regular payment and not like a settlement I called them again and they told me to make a claim in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. XXXX XXXX XXXX. I have contacted the FTC and my local police and I am doing this alone. Please take these unknown items off my report XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX. XXXX XXXX XXXX XXXX, XXXX   XXXX, XXXX SM BUS ADMIN ODA.
Product: Money transfer, virtual currency, or money service

Wells Fargo was caught defrauding their own customers in multiple different ways. I received a letter in the mail stating I was one of their customers who had been scammed and they were offering to send me a check for reimbursement for the scam. I was told I would receive said check within 30 days. 30 days later after not receiving any check I called back to speak with their escalation department on why nothing has been mailed. I was then told 45 days was how long it would take..45 days later still no check and now am being told their is no timetable and no way for them to know when the check will actually be mailed. They have asked me for personal information over the phone including social, name, dob, as well as address at this time I am not sure that Im not being involved in a whole new scam as every person I have spoke with whether it be with the third party XXXX  XXXX or the Wells expediters I have been constantly given different answers to the same questions and Im stuck with no route to a resolution.
Product: Money transfer, virtual currency, or money service

Person called claiming to be a police officer, telling me that there is a citation that was sent to me in the mail that I didnt respond to, so now I have to pay the fine over the phone and set up a day to meet with the judge so that they can possibly dismiss this, but I had to pay him the fee over the phone right then and there. He said that Ill get my money back after the judge dismisses it, but I had to pay him right then and there. I was at work and asked if I could call him back and he said the deal is only available right now and if I disconnect the call then that would be a sign that I decline the deal and there would be a warrant out for my arrest, so I was basically threatened and coerced over the phone to pay the money via Zelle to the court clerk. The mans name was XXXX XXXX, and the clerk he made me Zelle {$1800.00} to was named XXXX XXXX, on XXXX. Of course I tried to get back in touch with the person and the court and found out it was a scam. I made several attempts to find a resolution to this. I contacted both XXXX XXXX and Early Warning to file complaints with both of them so they could freeze the fraudster and help me get my money back, but they both failed to do so. I hoped the companies would be able to find that XXXX XXXX account and shut her down, contact her bank and freeze her account, and help send me my money back. I would expect XXXX XXXX to do a XXXX check on XXXX XXXX when she opened up the account, and Im puzzled as to why couldnt they pursue their own customer and prosecute her for defrauding other people. As a follow up, I kept calling XXXX XXXX for resolution, but they sent me to Zelle ; then I would call Zelle and they would send me back to XXXX XXXX, I just kept getting bounced back and forth, neither able to help. They both prematurely closed the case before even conducting a thorough investigation.
Product: Payday loan

I applied for a small loan and was accepted for a short term loan. Being military with XXXX credit I anticipated 36 % but found this to be more of a Payday loan. They are trying to classify as line of credit and trying to circumvent the military lending act and service member civil relief act. 
I have contacted them but they refuse to waver which is putting myself in financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed on my credit report was inaccurate when I reviewed it. The 3 credit bureaus must validate these accounts. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$55000.00}, XXXX XXXX Balance : {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 a collection account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX I FOR THE AMOUNT OF {$5.00} XXXX to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX  I opened XX/XX/XXXX XXXX FOR {$5100.00}, XXXX XXXX opened XX/XX/XXXX XXXX FOR {$0.00} XXXXBY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EXPERAIN, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt. 
XXXX XXXX HAS NOT VERIFIED THIS DEBT WITH MY SIGNATURE. 
XXXX XXXX HAS FILED BANKRUPTCY AND THE CFPB HAS ENFORCED ACTIONS TAKEN AGAINST XXXX XXXX AND XXXX XXXX SEE COURT CASE CONSUMER FINANCIAL PROTECTION BUREAU VS NATIONAL COLLEGIATE TRUST SEE COURT CASE TRANSWORLD SYSTEMS INC XXXX
Product: Credit card or prepaid card

Last year at the start of the Pandemic we were placed on shelter in my State. That was in XX/XX/2020. I immediately called my credit card companies and submitted financial hardship. Everyone except Macys was happy to extend my payments out by a few months except. I was told by Macys that they had no such forbearance in place. This caused me to be late 30 days and reported in XXXX as a late payment. I have never been late in my account. I have already written letters to remove my late payment since it was covid related and I was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lived in an apartment complex in XX/XX/2016, with no complaints or damages. I looked on my credit report recently, and noticed a derogatory mark from COLLECTION BUREAU OF FT. I called and asked about the mark, they said it was from the apartments and that there was {$930.00} in damages, they had used my {$300.00} security deposit, and my {$630.00} bill had gone to collections, where they posted it on my credit report. 

I was never made aware of this bill from the apartment complex or collections agency. I asked for proof of the debt, which I have not received in over 30 days now. 

I got in touch with my roommate from that apartment, and he said the same thing happened to him! This does not make sense, because the *total* security deposit was {$300.00}, and the alleged *total* damages were {$930.00}. How could we both have the same exact charge? We did not contribute a total {$600.00} security deposit. Also, what is the likelihood that we both missed bills from the apartment complex and the collection agencies? 


We both have been asking for answers for months now, and no one will respond. This is lowering our credit reports unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my dispute and or complain to CFPB once again regarding accounts that are on my credit report that I have previously disputed as Identity Fraud. The accounts that are fraudulent on my credit reports are as follows :XX/XX/XXXX Acct # XXXX - {$8100.00}, XX/XX/XXXXAcct # XXXX - {$8300.00}, XXXX XXXX Acct # XXXX - {$3600.00}, XX/XX/XXXX Acct # XXXX - {$880.00}. And also a collection account- XXXX XXXX XXXX Acct # XXXX - {$2900.00}. Some of these accounts I disputed as ID Theft fraudulent a few times and they were removed from my credit report and now the accounts have all been re entered to my account. Again, I ask of you to please remove the accounts as Identity fraud and I have once again attached my police reports which all the credit bureaus have on file and all the FTC Affidavits that I have also previously sent before. Please as this is done accordingly please send me a corrected credit report with all five of these items removed. Also, there are addresses on my credit report that doesn't belong to me : XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX. These do not belong to me so please remove them. Also, my name is XXXX XXXX XXXX and not XXXX XXXX XXXX please remove that name. This is affecting me negatively and is costing me alot with these issues. Please remove them. Also, I am also continuously not able to get in touch with a representative because I was told that a special group is handling my credit report and they work selected. I should be able to look at my report any time that I want. Please fix this please I am asking again.
Product: Checking or savings account

I submitted a complaint to Bank of America. I was assigned a resolution specialist, XXXX XXXX. I have attempted to reach Ms. XXXX by telephone to no avail. I have left 3 voicemails. I received an email from Ms. XXXX on XX/XX/20 instructing me to call regarding the complaint I filed. The phone number in the email ( attached ) goes straight to a general voicemail box and not an individual.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX. Account # XXXX Equifax : XXXX. Account # XXXX XXXX : XXXX. Account # XXXX
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report from TransUnion on XXXX XXXX and I saw some hard inquiries that didnt have permissible purpose. I also attached the evidence. 

XXXX. XXXX : ACT # XXXX -date status XX/XX/XXXX. Amount : {$19000.00} The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 2. XXXX XXXX XXXXXXXX : ACT # XXXX status XX/XX/XXXX. Amount : {$6400.00} The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 3. XXXX XXXX XXXXXXXX XX/XX/XXXX. {$2100.00} The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 4. XXXX : XXXX. {$15000.00} The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX : XXXX XX/XX/XXXX. {$2700.00} The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 6. XXXX : XXXX XX/XX/XXXX. {$5400.00} The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX : XXXX XX/XX/XXXX. {$15000.00} The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX : XXXX XX/XX/XXXX. {$13000.00} The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX ( but I have been disputing these items for over a year now ), I sent in dispute letters to the CRAs to investigate information on my credit report. Multiple things were reporting inaccurately, as well as late payments ( which are illegal due to 15 USC 1666B and 1666 ). This violates my privacy to disclose that type of information, and one of them I have never been late ( so I would like to see original document showing that I was late ). The accounts in question ( which I will disclose in the uploads ) are : XXXX : XXXX XXXX XXXX reporting late XXXX XXXX XXXX  ( reporting inaccurate information ; not matching up with other agencies ) XXXX XXXX XXXX ( reporting inaccurately ) XXXX ( reporting inaccurately ) XXXX XXXX XXXX ( this was removed prior and they re added without reaching out within allotted time ; FCRA passed law that prevented reinsertion ) XXXX ( accounts not listed are the same up top, everything else is new ) XXXX ( reporting late payment ; want to see original document ) XXXX XXXX XXXX ( 12 CFR Part 1006 is being violated here ) Equifax ( same accounts up top : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also the address XXXX XXXX XXXX XXXX is reporting on my report, I have nothing to do with that address and want that removed please ( I live at XXXX XXXX XXXX XXXX )