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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the auto loan account with GM Financial has violated my rights. Section 602 of 15 USC 1681 establishes my right to privacy. Additionally, Section 604A ( 2 ) stipulates that a consumer reporting agency can not furnish an account without my written instructions. Furthermore, under 15 USC 1666B, a creditor may not treat a payment on an auto loan account as late for any purpose under an open-end consumer credit plan. 
In addition to the previous information, it is important to note that my request sent in XX/XX/2023 to the credit bureaus via XXXX certified mail, regarding the correction of errors in my personal information and disputes, was never answered. This failure to respond violates the provisions of the Fair Credit Reporting Act, specifically Section 611 ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies must promptly investigate and correct inaccurate or incomplete information upon receiving a consumer 's dispute. The credit bureaus ' non-response is a clear violation of this legal requirement.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
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

I submitted disputes multiple times in regards to BANKRUPTCY XXXX XXXX DISMISSED reporting on my credit report. Transunion and XXXX continue to report this Bankruptcy even after i informed them that I have never filed Bankruptcy. They claim to be verifying this information with XXXX. I have contacted XXXX and this Bankruptcy was removed from their system as being unverifiable! How does Transunion and XXXX verify information that is unverifiable with the supposed agency giving them the information? This FALSE reporting on my credit report has caused great harm to my credit. I am submitting evidence that the Transunion and XXXX continue to cause harm to my credit and evidence that XXXX has said themselves that this information is UNVERIFIABLE and has been REMOVED from their system.. TransUnion and XXXX must be held accountable for the blatant disregard of federal law pertaining to accurate credit reporting and the FCRA.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased an order of floor tile from XXXX XXXX XXXX. On XX/XX/XXXX the tile was delivered to my home. The driver said he could only off load the tile which was in boxes on wooden pallets onto the street. He had no way to move the pallets onto my driveway or put them into my garage. I refused delivery of the tile. The pallets of tile remained on the truck and he drove away. I never accepted the merchandise. On XX/XX/XXXX I was given a provisional credit after I filed a dispute on XX/XX/XXXX, see attached. On XX/XX/XXXX the credit was reversed. I never received a letter stating that they had reversed the credit. I never received a letter explaining their reasons for denying my dispute. I received nothing until I received an email stating my payment was due. This charge is in dispute I should not be billed for a charge that is being disputed. I sent a letter XX/XX/XXXX, see attached asking that the dispute be reopened. I have received nothing from Comenity Bank. They are still sending me emails stating that my payment is due. This dispute must be resolved in my favor as I never accepted delivery of the merchandise.
Product: Mortgage

Last year ( XXXX ) we bought a house and financed it through XXXX Bank. Later the loan was sold to BB & T bank. Last month ( XXXX ) we refinanced our loan. With the refinance process, a new escrow account was set-up with the new lender XXXX XXXX Bank XXXX and it was funded at the close ( for about {$2500.00} XXXX We have already received the letter from BB & T ( the previous lender ) that the loan is paid off. At the time off the refinancing, BB & T had about {$2100.00} dollars in the escrow account. Since then I have asked BB & T various times over phone and via their secured online email process that when the escrow will be refunded back to me. So far I am not getting any straight answer. 

I want them to return BB & T my full escrow amount without delay and would like your help in resolving this without delay. 

Thank you for your help in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received a hard inquiry from Barclays Bank Delaware stating that they received my information for a new installment loan or a new bank account inquiry. I havent apply for anything with this company recently and I tried to contact them with the phone numbers provided in my credit report and the phone numbers that I called didnt work.
Product: Mortgage

On Wednesday XX/XX/XXXX, at XXXX, a request for Mortgage Payoff was submitted to Discover Home Loans on my behalf. On Tuesday, XX/XX/XXXX I called Discover Home loans due to still not having a payoff for my mortgage. When speaking to the initial representative, I was told that " it takes 5 days and there is nothing we can do ''. When I asked to speak to a supervisor over this, I was transferred and placed on hold for 22 minutes. The next individual informed me that they " did not have a complaint department for HMDA or Fair Lending, and that she was not a supervisor '' I was then placed on hold again. 

The reason for the delay in payoff was because the loan has a pre-payment penalty. The pre-payment penalty is XXXX dollars, so simple math would be that you take XXXX, add the per diem interest, and the principal balance to get the payoff amount. 

I was told that this is the process, and there is no way around it, and there is no way to have the payoff done quicker. This delay is costing me additional money in per diem interest, at a substantially higher interest rate ( current rate is 4.99, new rate is 2.875 ).

I have still yet to receive the payoff, as they placed me on hold again, and then the call was dropped by Discover.
Product: Credit reporting 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.

Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX and list of Inquiries. 

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: Credit reporting, credit repair services, or other personal consumer reports

Experian has attempted to bill me for viewing my credit score
Product: Mortgage

I applied for and completed a home modification program ( Home Affordable ). My mortgage was sold from XXXX XXXX XXXX to Di-Tech. Upon completion of the modification program, I received a letter from XXXX XXXX XXXX explaining to me that since I completed the program in good standing without missing a payment, they were awarding me {$4000.00} to be applied to the principal of my mortgage loan. Once Di-Tech bought the mortgage loan from XXXX XXXX XXXX, they ( Di-tech ) decided that I did NOT qualify for the {$4000.00} and advised me in a letter that they were taking that money and that I was no longer eligible for it. I called Ditech to inquire how they came up with their reason that I did not qualify for the {$4000.00}. They said I had missed a payment back XX/XX/2012, therefore rendering me unqualified. After speaking to Ditech, I immediately called XXXX XXXX XXXX who in fact verified that there has never been a payment missed or even late. I have NEVER missed or been late on a mortgage payment in 49 years of owning my home. My daughter wrote a letter to Ditech along with the proof that the payments were all made and all I 'm getting is " we need more time '' explaining that they can not find a discrepancy. If I can get that {$4000.00} applied back to the principal of my home, I will be able to refinance and bring my payments back down to where I can afford them. Since Ditech took my mortgage from XXXX XXXX XXXX, my payments have steadily gone from XXXX to XXXX. I am XXXX yrs old and a widow, and live on a fixed income. I feel strongly that they are scamming me in order to keep the money that was issued to me by the Dept of U.S. Treasury. I have the letter from them awarding me the money. Please help me get the money back that I have coming to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone tried to get 19 credit cards in my name
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX DATE XX/XX/XXXX Subject : Dispute of Unauthorized Credit Inquiries To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : CXXXX 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 XXXX - XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.
Product: Mortgage

MY HOME LOAN WAS SERVICED BY XXXX XXXX AND THE PAYMENT WAS {$1200.00} AS THEY CHANGER TO SHELL POINT MORTGAGE SERVICING THE PAYMENT INCREASED TO {$1300.00} CAUSING {$59.00} MORE PER MONTH. 
SHELL POINT SAYS THAT IN MODIFICATION THE RATE CHANGED TO XXXX I OPPOSED TO BY SAYING TO THEM THAT IT IS NOT TRUE MY PAYMENT DO NOT CHANGE UNTIL XXXX2019 I TRIED TO OPEN CASE COMPLAIN ON PHONE AND BY ON THEIR SITE BUT I HAVE NEVER GOT RESPONSE. WHEN I CALL AGAIN THEY SAID TO OPEN COMPLAIN AGAIN. 
I AM ATTACHING PROOF FROM MODIFICATION STATEMENT AND REQUESTING OVER PAID MONEY TO BE ADJUSTED AND PAYMENT TO BE REDUCED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear : XXXX, XXXX, and Equifax Date- XXXX RE : Account XXXX To Whom It May Concerns : I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

How did you investigate this account with out any documentation? I contacted the collection agency your rep told me about and they could not validate the debt. This collection agency subsequently removed all information regarding this account from my credit reports. If this incorrect information is not removed from my credit reports, I will file suit against your company.
Product: Credit reporting or other personal consumer reports

Exeter finance got all the wrong last payment dates, they sold the account, they are reporting inaccurate information time and time again. Exeter finance modified this situation 6 times and its still inaccurate now its time they delete this account. I have sent numerous of letters out to this company and they still reporting inaccurate information.
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason and they will not help me with getting me if back up and going I am not sure if this is some mistake as I assume it has to be. I have not able to get help from them for at least a month after I was told they will hold my money for at least 180 days. But I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used Paypal quite frequently. My email linked to my Paypal is XXXX XXXX
Product: Debt collection

I assert that the reported accounts are invalid. The associated banks must verify under oath its validity, ensuring it is free from any claims and defenses, including breach of agreement, failure of consideration, or material alterations. Additionally, the respected banks of the accounts must confirm the original lender-provided value. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Experian is refusing to block information on my credit report that has been asserted to have resulted from potential identity theft. I have filed a police report and thus complied with the provisions of section 605B and have asked for a block of the information. These accounts contain information regarding transactions I never made and thus state an inaccurate balance. I am submitting a copy of my police report, my FTC affadavit, and my identity for proof.
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 U.S.C 1681.

US DEPT OF EDXXXX # XXXX, US DEPT OF EDXXXX 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 has violated my rights under 15 U.S.C 1681 section 602 A States I have the rights to privacy.

15 U.S.C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish without my written instruction.

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: Credit card or prepaid card

On XXXX XXXX I attempted to make a monthly payment on my Citibank held Home Depot card. I discovered this card and my Citibank held Costco card were close due to Citibank attaching someone else 's bankruptcy to me in error. The person lives in XXXX and I live in XXXX. Citibank took months to correct this error and cost me much time, stress and 50 points on my credit score. When they finally corrected the error, they immediately began calling ( same day ) 2-3 times a day requesting I pay my bills and immediately put my two accounts in arrears. Again affecting my credit. Remember, I could NOT make a payment because of THEIR error. Eventually they took a little interest off my Costco card and gave me {$100.00} on my Costco cash balance. They declined to offer or do more. 

On Saturday XXXX XXXX, XXXX, while again attempting to make a monthly payment on my Citibank held Home Depot and Costco card, I was again prevented from doing so. My cards are closed and I am forwarded to a recording saying they are closed and 'this is an attempt to collect a debt '. This is EXACTLY what happened just three months earlier. 

It is unbelievable to me that Citibank could make this error a second time, but apparently they have as I got a notice per XXXX law from XXXX saying something negative has been added to my credit file. 

Please help!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to letter sent to me by Macys in reference to account ending in XXXX ( closed ) dated XX/XX/2023. This is a Request for an Opt Out of Macy's/Citibank . I want the company to stop sharing my information and to stop them from violating my consumer protected rights according to the FCRA to include but not limited to 15 USC 1681a 2 ( A ) ( i ), 15 U.S. Code 1666b, and 15 U.S. Code 6802.
Product: Debt collection

On our about XX/XX/2019 I viewed my credit reports and became aware for the first time that " Portfolio Recovery Associates, LLC : '' placed a collection account on my XXXX, XXXX, & XXXX. This arbitrary action by " Portfolio Recovery Associates, LLC '' had a devastating effect on my credit score & credit worthiness. I sent 2 letters ( both sent via certified mail ) to " Portfolio Recovery Associates, LLC '' requesting validation of debt and as of the date of this complaint " Portfolio Recovery Associates, LLC '' has ignored & denied my request. Furthermore, " Portfolio Recovery Associates, LLC '' actions is evidence that they are knowingly & willingly violating & denying my rights granted to me by " The Fair Debt Collection Practices Act '' ( FDCPA ) & " The Fair Credit Reporting Act '' The 1st letter ( via certified mail ) I sent to " Portfolio Recovery Associates, LLC '' was dated XX/XX/2019 & the second letter XXXX via certified mail ) was sent XX/XX/2019. I had no knowledge of " Portfolio Recovery Associates, LLC '' placing the collection accounts on all 3 of my credit report ( XXXX, XXXX, & XXXX ) and they failed ( knowingly & willingly ) placing collection accounts. Furthermore, " Portfolio Recovery Associates, LLC '' placed collection accounts on my credit reports without notifying me first & giving me the opportunity to request the validation of the alleged debt and by doing this " Portfolio Recovery Associates, LLC '' violated the FDCPA Collection Practice by placing a collection account on my credit report without sending me a letter first.
Product: Money transfer, virtual currency, or money service

Paypal limited my access in my account that I can't transact with my paypal account or limited it for ever. So I can't withdraw my money in it and paypal said that they will hold it for about 180 days or a 6 months long. I just want to get my money or close my account so that I will get my money back.
Product: Mortgage

Please review partial of the United States District Court for the Southern District of Florida case no : XXXX XXXX XXXX and XXXX XXXX /Planiff VS Select Portfolio Servicing INC , this case is XXXX pages long but I only printed out the first XXXX pages because it has the same identifiers and characteristics of my case with force place insurance scheme particularly Hazards insurance increasing insurance more than it actually cost and adding other insurance fees causing increase in premiums and pass it to the borrower which I had no knowledge that it was applied to my mortgage loan payments. Please review Exhibit A OMNIBUS ORDER DENYING DEFENDANT MOTION TO DISMISS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempting to improve my credit score has revealed negative reporting in the form of a chargeoff account with Sears in the amount of XXXX. I contacted the card issuer on both on XX/XX/XXXX and XX/XX/XXXX and was transferred numerous times finally arriving at credit report.com. 
I request that this s chargeoff be removed from my credit report as the original charges are in close proximity to the 6 year mark and they consisted of late charges that were the result of poor communication from the lender. A suitable resolution would also be for me to pay any outstanding balances less the egregious late fees for the removal. The number I called was XXXX and I received unsatisfacory assistance with resolving my issue.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I disputed Hard, Soft, and Promotional Inquires certified mail XX/XX/year> I called and disputed Hard, Soft, and Promotional Inquires XX/XX/year> I called to dispute Hard, Soft, and Promotional Inquires The Reporting agency 's replied that they couldn't be removed and didn't remove them resulting in me having a difficult time accessing credit that I deserve.
Product: Credit reporting, credit repair services, or other personal consumer reports

NEW INFORMATION I filed CFPB complaint XXXX on XX/XX/2022, Navy Federal has not responded to this complaint. Navy Federal is supposed to response within 30 days, and they have not. They need to be held accountable, just because it says different on the CFPB website doesn't mean that these companies are not supposed to follow the letter of the law