23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I have been a member of Pentagon Federal Credit Union XX/XX/XXXX. I had a checking & saving account and XXXX major credit cards with excellent payment history 's. XX/XX/XXXX I checked my accountso on line and all my accounts are closed and my credit cards are charged off. I called and had several communication was different representative and they stated that my accounts were closed. They had me down on my accounts as being XXXX. I told the representative that this is a mistake on the credit union behalf. They also told me to provide them with notized document stating I ' am not dead. Okay I swallowed my pride on this situation and send them information to theread office. After about 3 weeks I may coctact with the credit union and they stated that they received my information. At that point nothing did not change. I stated to the credit union also how could you have XXXX major credit cards charge off with a XXXX balance.
Product: Mortgage

In XXXX of XXXX, I received an escrow reimbursement check from LoanCare because they said we had an overage in our escrow account. I called them and explained that they needed the money in my escrow account to pay my summer taxes and sent the funds back to them to deposit into my escrow account. When I received my XXXX year end statement from LoanCare, I realized that they never paid my summer taxes from my escrow account. I called on XXXX XXXX, XXXX to ask them why and they said that the issue would be resolved by XXXX XXXX and that someone would call me by then to let me know. When I had n't heard anything by XXXX XXXX, I called again. I was told that the claim was never submitted and that they would send it to their tax department and have it expedited. They said it would be resolved by XXXX XXXX and that someone would call me. When I did n't hear from anyone by XXXX XXXX, I called back again and explained my situation again. I was told they would send it to the tax department and have it expedited. I reiterated that they were the third person to tell me this and asked how I would know that it was going to get resolved. They apologized and PROMISED to call me by XXXX XXXX and that it WOULD be resolved by then. By XXXX XXXX I had n't heard anything and called back for the fourth time. I was given the same story and I then asked to speak with a supervisor. I was told that the supervisor XXXX XXXX would call me within the next 24-48 hours. It has now been almost three days and no one has called me. Six days ago, I requested an advocate through LoanCare 's website to help me get this issue resolved but have not heard from anyone.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), highlights the critical need for consumer reporting agencies to fulfill their obligations with fairness, impartiality, and a profound respect for the consumers right to privacy. XXXX, and XXXX are recognized as consumer reporting agencies, and I assert my right to safeguard my private information as the Consumer. This right is reinforced by 15 USC 6801, which mandates that financial institutions uphold customer privacy. Portfolio Recovery falls within the definition of a financial institution under this statute. Pursuant to 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies may furnish a consumer report only upon receiving written instructions from the consumer. Portfolio Recovery, XXXX, and XXXX lack my consent to furnish this information and are devoid of my written authorization. Any form of consentverbal, non-verbal, written, implied, or otherwiseextended to Portfolio Recovery, XXXX, and XXXX is hereby revoked. Furthermore, 15 USC 6802 ( b ) ( c ) stipulates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to opt-out. Unfortunately, Portfolio Recovery failed to inform me of this option. Moreover, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse information in a report without proper authorization. The account in question constitutes adverse information being reported without my explicit consent, which constitutes a violation of the law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) mandates that individuals may not furnish inaccurate information to a consumer reporting agency, while 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations. XXXX, and XXXX are evidently failing to adhere to these requirements. Lastly, 12 CFR 1016.7 affords consumers the right to opt-out at any time. Consequently, I am opting out of Portfolio Recovery 's reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported Identity theft to Experian regarding XXXX and provided a police report and Experian stated that they verified but never provided the method of verification. The account is not mine and I have never applied or made any transactions with XXXX. Affirm need to be deleted/removed off my credit report.
Product: Payday loan, title loan, or personal loan

I have a retail installment contract in place with American Credit Acceptance ( ACA ). This contract is in violation of 15 USC 1602 ( h ) ( l ) and 15 USC 1693 ( l ), 15 USC 1681 ( n ) ( o ) and 15 USC 1635 ( a ) ( b ). ACA has been committing fraud by impersonating as my creditor. 15 USC 1602 ( h ) states that a consumer credit sale refers to a sale in which the seller is the creditor. The the XXXX XXXX XXXX XXXX XXXX 's and I 's contract, 15 USC 1693 ( l ) was violated. ACA is also in violation of 15 USC 1635 ( a ) for failure to disclose my Right to Rescission. There were no documents included at the time of my signing of this contract explaining my right to rescission nor were those documents included in the copy of my contract that was sent via email by their office manager, XXXX XXXX on XX/XX/XXXX. This leads me to my next point to rescind. 15 USC 1635 ( b ) states that once I as a consumer exercise my right to rescind, I am not liable for any finance or other charges. 

I've notified ACA of these violated codes twice via XXXX XXXX mail ( signature upon delivery ) that was delivered on XX/XX/XXXX and again on XX/XX/XXXX. I have requested to rescind my contract due to the Federal violated codes. I received an email from ACA on XX/XX/XXXX stating my payment for XX/XX/XXXX has been deleted. I called in that same day and spoke with one of their representatives who confirmed my cease and desists letters are on file which is why they will not be contacting me. The representative also threatened to repo my vehicle ( XXXX ( VIN : XXXX ) by XXXX. I still have not received any correspondence from ACA.
Product: Mortgage

I sold my home voluntarily XX/XX/XXXX. Nationstar accepted {$170000.00} XX/XX/XXXX. Nationstar collected $ {$6100.00} in interest but concealed that I only owed {$5500.00} and refused to refund me {$390.00} of {$590.00} over charged interest. Nationstar charged me {$1800.00} in unidentified corporate advances. In XXXX and XXXX of XXXX, Nationstar 7 and 13 months after the sale of my home, citing only {$1700.00} had been applied to unidentified corporate advances allegedly already disbursed by check numbers. Nationstar entered into an agreement with me in XXXX and XXXX, but failed to correct the interest paid only claiming I paid {$5900.00} not {$6100.00}, or the amount actually incurred under the payment schedule and note of {$5500.00} - and never disclosing any new activity with regard to the final payment allocation. 

XX/XX/XXXX, I received what is the ACTUAL final account history under the mortgage. Lines 89-94, 102 and 106 previously stated were " PMTS '' allocated but in XXXX Nationstar 's account history showed the payments as reversed leaving {$1800.00} currently being held in suspense without explanation, and leaving {$1500.00} in unidentified corporate advances outstanding without any payments applied causing the loan to be misrepresented as outstanding and causing my money from the sale of my home not applied to charges to be currently held by Nationstar, that Nationstar refuses through their Counsel to refund or re allocate the reversed payments. 

I believe this is a violation of Oklahoma Statutes Title 59 in concealment of the reversal of the final payment that was previously applied to advances and holding the amount without contractual or statutory rights. 

I believe this is a violation of 12 USC 2605kc1, in Nationstar and through Counsel 's refusal to refund the money and delete the unpaid unidentified corporate advances or simply reallocate the payments as previously applied as late as XX/XX/XXXX, and appearing to have occurred XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Opened a secured credit card at Wells Fargo with XXXX $ limit in XXXX. Soon after I moved away from the college I was attending and lost/ forgot about the secured card. It showed up on my credit in XXXX. Which I paid in full. The associates I spoke with agreed to delete the account entirely as it was secured and paid in full. I have Called Wells Fargo, all 3 credit monitoring companies and it will be deleted then pop right back up. This XXXX $ card needs to be removed as promised
Product: Vehicle loan or lease

I just recently disputed something and just realized that the dispute came from my Car lot wide credit and I want to fix the problem because it just bring my credit down I didnt know it was them because of the name it said collections instead of wise credit thats why I disputed because I had no clue what it was.
Product: Money transfer, virtual currency, or money service

I am filling 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 financial loss, and I seek appropriate redress For these violations
Product: Debt collection

XXXX is reporting a credit card debt on my credit report and refused to give me any information that associates my identity to this collection, nor have they provided any contracts, statements or evidence that supports what they are reporting and it is damaging my credit score. I have requested that they send me debt verification that links my identity to this account.
Product: Debt collection

This company continues to impede my way of life. They are sabotaging my ability to get a job and get a apartment. They use stand inns which derail all my applications. I am broke, XXXX and possibly XXXX. 

They are also rerouting my calls I make to attorneys for help. 
They reroute all my communications to there servers in texas
Product: Checking or savings account

Apparently in XX/XX/2019 SunTrust raised their minimum daily balance requirement on Signature Checking from {$2500.00} to a whopping {$25000.00} without notice. Beginning on XX/XX/19 they have been deducting a monthly fee of {$25.00} even though my balance has never dropped below {$3000.00} and I continue to maintain my mortgage there. They made this change without notice and I only discovered this when I reviewed the surprising deductions that had been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report XXXX XXXX XXXX {$1200.00} XXXX XXXX {$180.00} XXXX XXXX XXXX {$0.00}
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 Account XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or a 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 card

I paid my Macy 's card balance in full and the check cleared the bank on XXXX XXXX, 2015. The company has been billing me {$2.00} per month since for interest charges. The due date for my payment is the XXXX of each month. I do not intend to pay the charges and have called the company and gotten no response.
Product: Debt collection

I sent a letter to Citibank asking them to answer my questions regarding alleged debt. I asked for DEBT VALIDATION that they did not provide. I asked for my original application, original agreement signed by both parties. I also asked for full disclosure as per TRUTH IN LENDING ACT to be made aware who is the true party of interest in the transaction. I also asked for the licensing documents proving registration at Secretary of State that proves that CITIBANK is allowed to collect on, issue or originate promissory notes. I stated that the alleged debt is in dispute and they still say that I owe without providing any documents.They provided one page with half of it being redacted. Their response was " we believe that the debt referenced whiting the subject line of this letter is valid ''. I don't accept believes. They closed my account even though I gave them valuable consideration as in my application with my signature on and they discriminated against me by denying my right to extension of credit. 
They also reported my private non public information to third parties without my written consent as per 15 USC 1681 ( b ). They are responsible as per the policy of 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 customer 's nonpublic personal information, as per 15 USC section 6801 ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2012 I co-signed a car for my ex wife. She began making late payments on the account two month later making the first day of delinquency XX/XX/2012. According to the Fair Credit reporting act the length of time that a collection account may remain on a consumer credit report is 7 years and 180 days from the 1st date of the delinquency. Therefore the account XXXX XXXX showing a balance of {$7600.00} needs to be removed. This creditor is not properly reporting all dates of delinquency preventing the delinquent report from being removed from my consumer report. Violating the 7 year Fair Credit act statue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This item is reporting late, yet it is closed and the balance is zero as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this on my behalf without any third parties. I am a victim of identity theft, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days. XXXX is denying me from submitting disputes online when I didnt give my consent for these accounts to be furnished in the first place. They arent notifying me when a dispute is finished and the same accounts are saying, dispute isnt available. Lastly, an employee told me, EXPERIAN are the ones disputing on my behalf. Thats identity theft. Any person, which includes an organization, who willfully and knowingly obtains information on a consumer, like me, from another consumer reporting agency, without the written instructions or authorization pursuant to 15 U.S.C. 1681b, is information obtained under false pretenses. You have no lawful authority, this is a crime under title 18, and fines are described in 18 U.S.C. 3571. Ive been disputing the SAME accounts for over a YEAR now. Thats a violation of 15 U.S.C. 1681n and 15 U.S.C. 1681o, XXXX is willfully and knowingly allowing this. I am demanding consideration and deletion of these accounts. Please look at the attachments/exhibits.
Product: Debt collection

Date XX/XX/year> From XXXX XXXX Social Security Number XXXX Social Security Number XXXX Message : I Have ( 2 ) Social Security Number Due To ID.Theft By XXXX XXXX XXXX # XXXX XXXX : They are reporting collections on both of my social security numbers.Violator # 2 Experian : They are reporting collections on both of my social security numbers.Violator # 3 XXXX XXXX  : They are reporting collections, on both of my social security numbers.Citation Of Law : Texas Business and Commerce Title 11- Chapter 501- Section ( s ) 501.001 ( 5 ) and 501.101 ( d ) prohibits the use of personal information such as social security number to be used by a creditor who collects a person .... ( Social Security Number ) and must by law destroy such information after 6 months of and consumer transaction.These Creditors.. ( XXXX  ) ( XXXX XXXX ) XXXX XXXX XXXX ) all have been notified to cease and discontinue using my SSN # in unlawful consumer commercial debt collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's Reporting details of my account status are incorrect where it claims that the account is currently 30-59 past due. This is incorrect and needs to be modified. This should have been updated to reflect a current status within the last 2 weeks. Further infractions may result in the account being furnished to an attorney to enforce appropriation of account data. Misreporting to the Credit Bureaus should carry fines for the financial agency and I believe this is also inappropriate use of my Report.
Product: Credit reporting or other personal consumer reports

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate. 
Under 15 U.S.C. 16811 ( 7 ) Method of verification- Description of reinvestigation procedure.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( ii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonable available ; by not later than 15 days after receiving a request from the consumer for that description. 
Please send the following information used to validate the items below, otherwise delete them from my credit report immediately : Personal Information :
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrector nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputes accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

Listed below are the accounts I have marked as inaccurate : XXXX XXXX XXXXACCOUNT NO. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NO. XXXX XXXX XXXX XXXX-ACCOUNT NO. XXXX XXXX XXXXXXXX XXXX-ACCOUNT NO. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX ACCOUNT NO. XXXX XXXX XXXX XXXX-ACCOUNT NO. 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 items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items 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 corrected. I'm looking forward that you will resolve this issue as soon as possible. 
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 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account Name XXXX XXXX, Account # XXXX Account Name XXXX, Account # XXXX, Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

! 5 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 or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

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 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 have had an ongoing issue with Equifax that involves my identity being stolen. I submitted the requested documents but they don't do anything to resolve my issue. There is an inquiry from XXXX XXXX that does not belong to me & I did not do. I have begged and sent appropriate documentation to have this deleted yet it still remains on my report. I am asking again please delete.