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 account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 

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 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 items of information, other than records of convictions of crime which antedates the report by more than 7 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 have reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received notification that my addressed was changed at equifax. Which is my correct address. My concern is that its gon na change again and then has my credit report been sent to that address? Why is my address on my file keep changing? Then you want me to send all these documents to prove where I live. I wish someone will do there job and make sure thus stops happening. Something obviously going on here. I have to call and spend hours on the phone when I call equifax. Last time I called was on the phone and was transferred and spoke to supervisor almost 2 hours!
Product: Checking or savings account

I submitted an application for a XXXX on XX/XX/XXXX. BofA website XXXX XXXX XXXX XXXXbankofamerica.comXXXX  ) states : Q : question : What interest rate will be applied to my CD? 
A : answer : Your CD account will be opened at the interest rate that was effective the day you submitted the form for opening your account. 

The 10 month CD rate was 4.60 % on XX/XX/XXXX, the day I submitted the form. My application was processed on XX/XX/XXXX and the XXXX rate dropped to 4.41 %. My CD has the lower rate and I would like the higher rate to which I'm entitled. 

I contacted BofA to correct this and they refused ( see attached letter ), stating the rate was as of the date the XXXX was opened, not the date of my application.
Product: Credit reporting or other personal consumer reports

I noticed upon reviewing my credit report some inaccuracies .This letter serves as a formal dispute and request for a procedural investigation into inaccurate information, as is my right under FCRA 15 USC 1681 ( i ). The account in questions bears the number 5178 and requires immediate review and correction. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX with Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 

Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number.

Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Exeter Finance I've noticed you have been reporting my information to the 3rd party credit bureaus which are on my credit report XXXX I never gave you Consent to do so which is in violation. 
15 U.S. Code 6801- Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 


15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit card or prepaid card

I ordered American express Serv card, because it allows you to add money from credit cards, others don't.So, I added money twice, no problem.Now, they put a restriction on my card, and said they no longer allow this option, no notices nothing, left me in a Bond.I said, well you still have the option, on you app to add money from credit card.U want them to honor that, until they take the option off their site.
Product: Debt collection

NCB Management Services states original account, I don't know who this company is, never had any deals with who ever this company is stands for or any dealing with them! it states opened XX/XX/year>2024 it's open type is blank, please help
Product: Consumer Loan

I was young and in the military when I was taken advantage of when buying a car. Navy Federal Credit Union gave me a loan that was more than the car was worth. The dealership and the banking institution was working together to get over on me. Now when I try to get rid of the car, the banking institution wont let me they said it will have to be a voluntary repossession. So now my credit is shot and I 'm struggling to get my credit right and having a hard time with a car that have should of been paid off. I been asking the bank to work with me because I had to put monies into the car to repair the engine and electrical work done. I even asked about the civil service act but they said I 'm not qualified. I feel as though I have been worked over by the banking institution and the dealership. My interest rate has n't went down since I first brought the car and it was at 15.69 % and I feel that is way to high.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

These inquiries are not mines and I did not approve of. These are reporting to my credit file on my behalf and it is not authorized nor did I give my consent. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

I had a home loan with the lender New Penn who uses Shellpoint Mortgage to service their loans. The rates dropped so I also did a VA streamline IRRRL with them. Since I am rated a XXXX Veteran, in the state of GA I do n't pay property taxes. During the processing of my loan the underwriter added taxes to my escrow payments. I 'm not sure where the amounts came from as my County Tax Assessor Office had already provided me my estimated tax amount which stated {$0.00}. So I provided that infomation to my lender and the taxes were deleted and the loan was closed. However, when the loan servicer, Shellpoint, received my loan and established my account, it showed that I owed taxes for the year totalling almost {$2400.00}. Since the loan had recently closed two weeks prior, I contacted the lender for assistance. The lender basically verified they had not provided the tax figures to Shellpoint since the amounts were not calculated into my escrow account, but only showed as a collectable debt against my mortgage account. Therefore, I contacted Shellpoint inquiring about the tax amounts and provided them with the same tax estimate I received from my County Tax Assessors Office and recently provided to the loan underwriter showing my taxes were {$0.00}. Basically, they responded by stating they would check into the issue. However, they stated it was my responsibility to provide any military documentation to my tax office in such matters. They also went on to remind me that since my lender did not include the amounts owed in my escrow account, it is also my responsibility to ensure the debt is paid per the terms of my loan agreement ( or they would place my account in collections ). At this point in time I am clearly at a loss! So I contacted both my County and City tax offices to reconfirmed my VA XXXX tax exemption status and received copies of my tax statements both showing {$0.00} with {$0.00} due. I forwarded both statements to the lender, New Penn, and the servicer, Shellpoint, with no response. However, since then, my account now shows a reduced amount due for my County taxes but the same amount due for my City taxes totalling about {$720.00} due versus the previous {$2400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations XXXX  XXXX  XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and finanial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$5800.00}. 
This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 

XXXX. XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$3100.00}. 
This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 

XXXX. XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Equifax failed to perform an investigation and delete the disputed information. 
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$6200.00}. 
This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 

XXXX. XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$910.00}. 
This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 

XXXX. XXXX XXXX  XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$7200.00}. 
This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 

XXXX. XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Equifax failed to perform an investigation and delete the disputed information. 

XXXX. XXXX  XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$5700.00}. 
This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Product: Mortgage

On XXXX XXXX, 2016 I signed a purchase and sales agreement with the seller of a house with a time line of XXXX calendar days until closing. Having already prequalified for a loan, I applied for a USDA guaranteed loan with TD Bank at their location at XXXX XXXX XXXX, XXXX, NH XXXX on XXXX XXXX, 2016. I conducted this business with assistant store manager, XXXX XXXX. This day of official application I, and XXXX XXXX, signed a rate lock agreement to confirm my loan would be at a rate of 3.00 % ( exhibit XXXX ). This rate lock was to be valid for 90 days. XXXX XXXX stated that the loan would take around or under 60 days to process, and that I would hear from my mortgage processing within 24 to 48 hours. 

On XXXX XXXX, 2016 TD Bank issued a loan disclosure for me to sign and return ( exhibit XXXX ). This disclosure indicated they were processing my application for a loan product other than the one that I applied for ( XXXX instead of USDA guaranteed ). This disclosure also included a new rate lock form, and indicated that my rate was currently " floating '' at approximately 3.8 %. Upon calling and speaking with the assigned processor I learned that they would have to reassign my loan to process the USDA guaranteed loan per my original application, and that my new processor would be in touch with me the following day. 

On XXXX XXXX, 2016 TD Bank issued a loan disclosure for me to sign and return ( exhibit XXXX ). This disclosure indicated the correct loan, but the wrong loan terms. The rate was indicated to be 3.5 %, and not locked in. On speaking with my new loan processor I learned that TD Bank had " no record '' of me having signed a rate lock form for a USDA loan. She also said they had no record of me submitting necessary documents to process the loan that were provided on XXXX XXXX, 2016. I provided my loan processor, XXXX XXXX, a copy of the signed rate lock form from XXXX XXXX, 2016 and asked if TD Bank would honor this document. 

On XXXX XXXX, 2016 TD bank issued a loan disclosure for me to sign and return ( exhibit XXXX ). This disclosure again had the wrong terms, stating that my rate was now locked in at 3.5 %. Also issued by TD Bank on this day was another rate lock form they requested I sign and return indicating that my rate would be locked in at 3.5 % ( exhibit XXXX ). 

On XXXX XXXX, 2016 I informed TD Bank that I was withdrawing my loan application due to their refusal to honor the terms of my original rate lock agreement. Due to the three week delay caused by TD Bank handling my loan in a negligent manner the new lender I applied with sought an agreement to extend the deadline for the purchase and sales agreement between myself and the sellers. Unfortunately, the sellers declined this and exercised their option to walk away from the deal due to our inability to meet the deadline for closing.
Product: Debt collection

XX/XX/XXXX I sent XXXX a debt validation letter. 
XX/XX/XXXX Resurgent Capital Services sent me a letter along with one statement and a Account Summary that was prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. They made it very clear that the account summary was not from the original creditor. 
XX/XX/XXXX I wrote Resurgent Capital Services. 

XX/XX/XXXX Resurgent Capital Services responded with the same exact letter they sent XX/XX/XXXX. They have ignored my dispute that I sent them directly notating all the violations they have committed. 

The paperwork Resurgent sent me directly claims they have acquired the alleged debt on XX/XX/XXXX but claims that the last payment was made XX/XX/XXXX. I've never paid a dime to Resurgent, but they claim I did 2 months after they acquired the alleged debt. at the time of the acquisition the alleged debt was for {$1300.00} but the current balance reads {$1200.00}. There paperwork reads that a payment was made or a credit was applied of the amount of {$110.00}. all these allegations are false and I believe resurgent is practicing illegal procedures. what date was this alleged payment or credit applied to the balance? it is illegal to alter the original balance that was charged off and if they claim that a payment was made then how was the alleged payment processed? I want to see the exact transaction. in there response letter they also notate another collection agency named XXXX XXXX XXXX saying they have received correspondence regarding the verification on this alleged debt. why is there another entity being notated in a letter that has nothing to do with resurgent or this alleged debt? when it comes to there dunning letter they sent me Resurgent is trying to collect on a debt that I owe to LVNV Funding LLC. now I believe LVNV funding and Resurgent are possibly under the same umbrella but the fact that they make it seem like XXXX is a original creditor is a violation. A debt collector can not be a original creditor. Resurgent has also failed to notate the full account number in there dunning letter. in conclusion Resurgent or LVNV funding or XXXX XXXX XXXX has NOT properly validated this alleged debt and they have violated the FDCPA on numerous counts. Resurgent has altered the original charge off balance that could have possibly re-aged this account. resurgent has falsly accused me of making a payment to there agency 2 months after they acquired the alleged debt. Resurgent claims that XXXX is the original creditor. Resurgent has threatened to return this account to active collection even tho the alleged debt has not been properly validated and is time barred. Resurgent has inserted another company XXXX XXXX XXXX in there correspondence. Resurgent is illegally trying to collect this debt under my name without any verification or contractual agreement that was made.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect, and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. XXXX XXXX XXXX
Product: Debt collection

This company keeps calling harassing me about XXXX XXXX aka person. 
Each time they called I explained they have called the wrong number and remove it and stop calling me at work. They have not, they continue to call. 

Called XX/XX/XXXX @ XXXXXXXX XXXX  Called again XX/XX/XXXX @ XXXXXXXX XXXX Called again XX/XX/XXXX @ XXXXXXXX XXXX
Product: Consumer Loan

Miss appropriate of the payment I had a settlement agreement of the debt and the comapny placed XXXX towards the debt against the original amount not the settled amount. 
The credit bureaus failed to investigate and it took three years foir the matter to be removed from the credit report. I want the XXXX I had paid back immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute and the investigation in regards to the incorrect information on my credit report. It took more than 30 days and I have not received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an alien worker and came to US on work visa ( XXXX ) on XX/XX/2018 for first time. To start building credit history and confidence I was recommended that I should take a secured credit card by XXXX XXXX XXXX. Currently I do not have any credit history in the country. 

I applied for Secured Credit Card through XXXX  XXXX Website ( application number : XXXX ) on XX/XX/2018. XXXX XXXX requested for additional information ( a ) Passport ( b ) Social Security to be uploaded online for verification. 

On XX/XX/XXXX, I received credit card decline notice with justification that my address is invalid/incorrect. 
I have all address verification documents with me like Bank Statement with Address, Lease Agreement, Utility Bills and Insurance Records with Address available, but still without asking for any of these documents, which are valid address verification proof, they rejected secured credit card. 

I also validated with TransUnion and there credit report also shows the same address which was filled during credit card application. 

Due to hard entry of XXXX  XXXX credit card rejection/application on TransUnion Credit Report, other bank `` XXXX  XXXX XXXX '' also rejected secured credit card for me with justification " multiple credit card requests on file ''. 

Currently, I do not have any secured credit card / loan and I already got multiple hard enquries impacting my credit rating on the file. With this it is impossible to gain fast, reputed and good credit rating on my credit report