23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

For 18 years now all three credit bureaus Transunion, XXXX, XXXX credit bureaus, have continued to deny me my rights to receive my credit report. At least three times a year I've requested it for 18 years XXXX gave it to me in XXXX but the minute I started disputing stuff they locked me out of it again. Transunion just sent me one this year only because of the complaints here and now they're blocking my ability to dispute stuff on my reports. XXXX has still yet to respond to me. I've sent all three credit bureaus copies of my ID and Social Security card notarized signed affidavit of Said copy of my ID and Social Security card. Yet they continue to deny me the rights that they are required by law to give me. Not only are they harming the very natures of my personal livelihood. They are also harming the very natures of my business XXXX XXXX XXXX XXXX Because without a proper and accurate credit report with a good credit score I can't get business funding. They know very well that is truthful, and know exactly what they're doing. As they continue this onslaught of disrespect and blatant violation of the laws CFPB I got to ask you at what point do you send all these complaints to the proper authorities. They are in violation of many laws at this point including my right to accuracy 15 USC 1681. But they just keep laughing like my life is just a joke. OKAY FINE ... I guess it's time to let a JURY decide. I mean really, someone is going to come to the CFPB And complained that they're not getting someone else 's credit report. Everyone else can get it, but I'm not allowed to have access. I sat down with a car salesman and he pulled my credit report right up no problem but me I'm not allowed to see it you continue to refuse me the actual owner of said credit reports, OKAY!
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding XXXX XXXX inaccurate furnishing of information to credit reporting agencies, as well as XXXX failure to maintain maximum possible accuracy. 

XXXX. XXXX XXXX claims in its XX/XX/XXXX, response that my first missed payment occurred on XX/XX/XXXX. However, my XXXX credit report for XX/XX/XXXX shows the account as current, contradicting XXXX XXXX claim. 


XXXX. Despite this, XXXX XXXX reported the account as delinquent, resulting in a charge-off status on XX/XX/XXXX. 


These actions violate the following federal statutes : 15 U.S.C. 1681e ( b ) : XXXX obligation to maintain maximum possible accuracy. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) : Prohibition against furnishing inaccurate information.

15 U.S.C. 1692e : False and misleading representations in debt collection.
Product: Credit reporting or other personal consumer reports

Motion to Withdraw and Status conference on Dismissals Inbox XXXX  XXXX XXXX Attachments XX/XX/2021, XXXX to me The court has set the Motions to dismiss for a status conference on XX/XX/2021. I have attached a copy of our Motion to withdraw and the notice of hearing to this email. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Direct Line XXXX Fax XXXX XXXX XXXX You filed your own motions to dismiss in the lawsuit and the XXXX  XXXX bankruptcy. The Court has set those motions for hearing on XX/XX/2021 at XXXX XXXX. You need to attend that hearing. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Direct Line XXXX Fax XXXXXXXX XXXX I AM DISPUTING THIS BANKRUPSTY THROUGH XXXX XXXX EQUIFAX THERE IS ERRORS AND IT WAS DISMISSED NEVER WENT THROUGH WITH THIS DELETE THIS IS A EMAIL FROM MY LAWYER
Product: Debt collection

this company calls me everyday and does not say anything when I answer! when I call back, its an automated call rather than an human, They even called my XXXX yr old XXXX  phone and falsely reported on my credit reports!
Product: Bank account or service

After an IRA CD matured, Citizens Bank associates, advised my XXXX year old grandmother to deposit the money into her checking account instead of opening a money market IRA account. This caused her over {$4000.00} in taxes, about 1/4 of the worth of the CD. When I called to speak to the manager he was unapologetic and lied saying he personally helped her, when in fact, a female by the name of XXXX helped her. I 'd like Citizens Bank to pay my grandmother the taxes she had to pay, she does not have many assets and this tax bill was an extremely large payment for her to make. I understand that the bank can not give specific tax advice, but they can and should advise clients to seek the advice of a CPA or Accountant before making a transaction such as this one.
Product: Debt collection

I recently received a garnishment on my pay for a debt I know nothing about. I never received a summons to appear in court but i have had a judgement brought against me by a debt collector Asset Acceptance LLC. According to the documents I received from my employer about the garnishment the following was were the terms of the judgement : Principle : {$2100.00} Interest : {$6300.00} ( and accruing ) Attorney Fees : {$530.00} Court Costs : {$250.00} Again, I have no idea what this is for nor did I received a summons to court to dispute the claims outlined in this collection of debt.
Product: Mortgage

This complaint is against BMO Harris Bank N.A . I communicated with BMO from approximately XX/XX/XXXX through XX/XX/XXXX regarding obtaining a home mortgage. My main point of contact was with XXXX XXXX, the mortgage banker. Initially, I requested a quotation from XXXX for mortgage rates and fees. After subsequent emails and conversations, I told XXXX that I wanted to go with her initially quoted interest rate ( of 4.1 % ) and initial fees quoted which did not include points. I communicated that I did not want to buy the rate down. I also communicated that I wanted to lock in the quoted rate. XXXX informed me that the rate was locked. I later received paperwork in the mail to sign off on and I noticed that the box for a locked rate was not checked. I informed XXXX and she assured me that my rate was locked. As the mortgage process went on I continued to receive documents with points added to the cost of my agreement. I communicated this to XXXX and constantly reiterated that I had not agreed to that and did not want to pay for points. She informed me that it turned out that my rate was not locked in when she thought it was because of a system error and that there was nothing she could do to remove the points. She admitted that it was the banks error. I subsequently requested her supervisors contact information and she gave me XXXX XXXX XXXX contact information. XXXX told me she informed XXXX XXXX of the situation. I also contacted XXXX XXXX on more than one occasion by phone and email and never received any communication regarding a resolution to this issue. 
In the midst of all this, I continued to receive bank documentation to sign off on which had points added on that I had not agreed to. The documentation came with deadlines by which I had to sign and return the documents so I felt under pressure to meet the deadlines so that I would not be in breach of contract with the seller of the home I wanted to purchase and be in jeopardy of losing my earnest money. My real estate lawyer informed me that I did not have enough time left in the process to find another banker and secure a mortgage without being in breach of contract. Therefore, I marked up some of the loan documents, and signed them, indicating that I did not agree to the points that were added on. 
In summary, I made phone calls and sent many emails to XXXX and XXXX XXXX and in the end, {$380.00} was added to my closing disclosure that I did not agree to. XXXX replied to my emails and calls but said there was nothing she could do to remove the points. XXXX XXXX returned one of my calls and said that he would look into the situation and get back to me. Afterwards, some time passed during which he did not get back to me. I followed up with emails and phone calls and still did not receive anything back from him in regard to any progress or a resolution to the issue.
Product: Student loan

I have called Mohela several times since XXXX. The dates I called them were XX/XX/14 on hold for 1 hour and 36 minutes had to hang up since I was at work no one never picked up. I called later that day at XXXX on hold for 1 hour and 50 mins no one ever picked up. Called later the same day on hold for 2 hours and 14 mins no one ever picked up. I called every day since then and had the same outcome. I called today after receiving my income based payments which it is now 10x higher then my previous payments which I clearly don't understand how because my family size has changed. I spoke to a representative at XXXX XXXX  and explained the above information and maybe there is an error. I was told if the income based payment has to be reconsidered it may make me ineligible for the public service loan forgiveness. I asked where is it in writing she said it is on the XXXX website and I looked while on the phone and did not see it on the paper I signed to evaluate for income driven repayment she immediately became defensive and I asked for a supervisor she said hold and I was on hold for over 40 mins. No one answered or returned to give me an update. I submitted my documents for public service loan forgiveness over the summer to student aid and have not received an update from Mohela.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please remove/block this account as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/2014 Balance {$5400.00}, XXXX XXXX XXXXXXXX Date Opened XX/XX/2014 Balance {$11000.00} If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Product: Debt collection

I am XXXX XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. There are inaccuracies that existed on my credit report. The Date of Last Payment is missing on my credit report. The bureaus display the Date of the Last Activity differently : XXXX says XX/XX/2019, XXXX XX/XX/2019, and this not showing on the XXXX report. Also, this charge-off account shows a {$22000.00} balance. The balance should not be reported after it was a charge-off. This is clearly a violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX loan ID # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, 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 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: Money transfer, virtual currency, or money service

Dear PayPal Customer Service, I hope this letter finds you well. I am writing to submit a formal complaint and appeal regarding the permanent limitation placed on my PayPal account. I believe that this limitation was a result of a mistake, as I have not violated any PayPal policies or engaged in any activities that would warrant such action. 

Firstly, I would like to emphasize that I have been a loyal PayPal user for [ insert duration of usage ], and I have always strived to abide by your platform 's terms and conditions. I have used my PayPal account, associated with the email address XXXX, for legitimate and lawful transactions without any incident or violation. Thus, the permanent limitation imposed on my account has come as a surprise and has caused me significant inconvenience. 

I kindly request that PayPal re-investigates my case thoroughly and objectively. I strongly believe that upon review, you will find that my account was mistakenly flagged and restricted. I am confident that there has been an error in the decision to permanently limit my account. I am willing to provide any additional information or documentation necessary to support my appeal and assist in the resolution of this matter promptly. 

I kindly request that PayPal reviews the activities and transactions associated with my account carefully. I am confident that upon closer inspection, you will find no evidence of any policy violations or unauthorized activities. It is my sincere hope that PayPal will rectify this situation and restore my account to its previous, fully functional state. 

I understand that PayPal has a responsibility to ensure the security and integrity of its platform, and I appreciate your commitment to protecting users and preventing fraudulent activities. However, I believe that an error has been made in my case, and I trust that PayPal will conduct a fair and impartial investigation to address this issue. 

In conclusion, I kindly ask PayPal to reconsider the permanent limitation placed on my account and take the necessary steps to restore my account 's functionality as soon as possible. I value the convenience and reliability that PayPal provides, and I look forward to continuing my positive experience as a PayPal user. 

I thank you for your attention to this matter and for considering my appeal. Should you require any further information or clarification, please do not hesitate to contact me at the email address or phone number provided above. I eagerly anticipate a prompt and favorable resolution to this issue. 

Yours sincerely, XXXX XXXX
Product: Credit card

In XXXX of 2015 I was contacted by the ARA account recovery service concerning a XXXX Bank credit card which was a debt over 12 years old.I agreed to a pay off of {$950.00} which they agreed to over the phone I paid them off at XXXX per month for 5 months. which I have Bank statements to prof it.My last payment was in XXXX 2015..I was just contacted this month XXXX and billed for the same account stating that they had bought it from someone.I called them and told them I had paid this debt off to them ARA in XX/XX/XXXX.They said that they would check it.When they called me back they said I only paid {$750.00} .I told them I had Bank statements showing I paid them $ XXXX.At this time I requested that they send me their payment account showing the date and amount that they had on file.They refused to send it to me.I asked them if I owed them anything on my account why wait for 8 months to contact me .I am sure debt collection agency would not wait 8 months to collect on my account.They had no response for their actions'The pay off had been agreed to of {$950.00} .When I told them this over the phone, they composed a new letter with new numbers.If I had not old them of this they would have treated this account as a new XXXX now they sayv I owe $ XXXX {$750.00} and now they want $ XXXX.If evident from this that they have a accounting problem and management problem. Please help me because they made an error and now trying to cover it up and make me pay for it..
Product: Credit card or prepaid card

I just recently came down with XXXX. i reached out to all my banks ( car loans and all ) and have asked for help. im out of work due to having XXXX and am not being paid for being out of work. i can not go back until i have a negative test. i have already been out a week, and may be out for another week or 2. I owe {$58.00} on XX/XX/21 on my discover credit card. I asked if they would be willing to push my payments out a month, since i have always been on time paying and have sometimes paid way over the minimum. They are refusing to help me out. They suggested that i find someone to help me out while i go through financial hardships. They proceeded to send me paragraphs talking about lower interest rates and such, trying to bring me off the topic of me needing to push my payments out. In the end, they refused to help me out with my upcoming payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Experian ) 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
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
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 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 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 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 EQUIFAX 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: Payday loan, title loan, or personal loan

My account with One Main Financial became past due. XX/XX/XXXX I asked if I could pay a smaller amount to avoid 30 days late. They would not accept. XX/XX/XXXX Once 30 days late I attempted to pay the past of $XXXX but they said it was not enough and payment not accepted  and it was sent to legal dept. Legal dept demanded min $XXXX payment to pay balance of XXXX. I told them I needed a lower payment. XX/XX/XXXX I called legal dept to request a lower payment. The rep said the account had to be paid within 6mths or law suit. XX/XX/XXXX I requested $XXXX arrangement to avoid collections. I also contacted One Main for a payment arrangement. One Main kept referring me to legal and did not tell me the account was being charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been pretty consistent with paying my bills on time. I'm saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with o {$400.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mine. I've contacted the police locally and FTC. These items need to be deleted from my credit report : Ch XXXX Bankruptcy, XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account XXXX, XXXX acct XXXX XXXX  and XXXX  acct XXXX on XXXX, XXXX, and XXXX XXXX XXXX.
Product: Mortgage

I have an adjustable rate mortgage with NewRez. Now that the LIBOR index is no longer in use, I called them to find out what index will be used in the future. I did read that some banks and mortgage companies were going with SOFR. They were unable to provide me with any information on what was being used to calculate my mortgage. I asked a number of questions, as i have some working experience in banking, about the SOFR index and others. I was only told that my rate is set for the next 12 months and that was there response. I asked how they came up with that rate and they didnt provide any information.
Product: Credit reporting or other personal consumer reports

Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXX XXXX XXXX XXXX , I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law. 
Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 
Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 
If you have any questions or need additional information, please contact me at XXXX. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled my XXXX XXXX credit card collection in full. I sent the settlement document to the credit bureau and they did not remove the balance on the item. Their statement was that the investigation did not change the item. 

I have attached a copy of XXXX XXXX 's document that clearly says the balance would be reduced to zero. Why is XXXX  making up their own rules to updating items in disputes? 

This is costing me hundreds of dollars in interest charges because of an artificially lowered score. It is negligent non-compliance at worst.