23daVinci/CFPB_Complaints huggingface dataset:
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. 

Delete account : XXXX XXXX XXXX : # XXXX, ACCOUNT : XXXX XXXX XXXX  : # XXXX, ACCOUNT : XXXX XXXX XXXX : # XXXX, ACCOUNT : XXXX XXXX : # XXXX, ACCOUNT : XXXX XXXX : # XXXX, ACCOUNT : XXXX XXXX XXXX : # XXXX, ACCOUNT : XXXX XXXX : # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Debt collection

I sent a debt validation letter to Gulf Coast Collection Bureau on XX/XX/XXXX. I did receive correspondence from Gulf Coast Collection Bureau in the mail dated XX/XX/XXXX. They failed to provide me with the requested information to properly and adequately validate this alleged debt, and instead they sent a copy of a patient statement from my medical records displaying the procedure that was performed on XX/XX/XXXX which I know is a direct violation of Hipaa regulations. Gulf Coast Collection Bureau has violated my Hipaa rights. I've never signed a Hipaa form authorizing them to have access to this information. Please terminate this account and cease all collection activities or I will be forced to take legal action in response to this violation. I have attached the forms that were sent to me for your review as well as the original collection bureau bill, and original debt validation letter.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following inaccurate items which are reporting in error : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX XXXX. 

Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them. Please remove any information that the creditor can not verify. According to 15 U.S.C. Sec. 1681i ( a ), you by law, must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit card

I was notified by mail that my card was on hold with no reason but to call and verify that it was me who made a payment. After I call I was told that my payment of the balance which was XXXX and some cents needed to be verified if it was from my bank account ( which made no sense to me ). I was given a fax number to send my bank statement. I got my statement and faxed it to the fax number and gave them a call back to remove the hold on the card. And now they are saying it will take 10 to 15 business days to receive the fax. The funds already came out of my account and I provided the documents and I still have to wait to verify it was from my account the payment was made. I'm not understand this, as long as payment is made why does it matter which account made the payment and shouldn't there system track where the payment is coming from. I just used this card one time and made a payment to pay the balance. I paid the XXXX dollars fee and also the XXXX fee and was not questioned about the account it came from but when I paid the balance it a problem now. I believe this company is looking to defraud customers and have them pay late fees and interest by not processing the payment on a timely manner.
Product: Credit reporting or other personal consumer reports

complaint has been filed to request pursuant to FCRA 605B ( 15 U.S. C. 1681c- 2 ) that you, The credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of I am a victim of identity theft. My information was exposed in a data breach. Please remove these accounts listed in my FTC report within four business days under section 605B. A list of these accounts include XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan, title loan, or personal loan

I took out a loan with them and my interest rate was 400 % so on a XXXX loan its {$3600.00}. Thats ridiculous. I really needed the money to fix my car. They took advantage of me. On the website they say that say they not an actual lender its a lending network and they are not regulated because it is tribal. I also paid a fee to access funds the same day which was a Friday. I didn't receive them until Monday and they told me it was nothing they could do about the error I would just have to wit. I hate I took money from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX XXXX from Carvana in XXXX of XXXX  with a warranty package. They are called XXXX XXXX. I had a slow air leak in the right front tire. When I went to XXXX XXXX XXXX in XXXX, XXXX, They said that they could not repair the tire because it was two years too old for the vehicle. I had to purchase 4 new tires. XXXX XXXX said the tires were not covered under the Warranty Package that I purchased with the SUV. Carvana said they inspected the tires and they were fine. I disagreed. I think that the tire inspection was faulty. They refused to even pay just a percentage of the cost for the new tires. I think they are in the wrong and should pay for the new tires that I had to purchase.
Product: Checking or savings account

The company never credited my account for cashback earned in XX/XX/XXXX. They offered a debit card that earned 1 % cashback on purchases. I made five purchases, each totaling {$5000.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each of these purchases indicated on my account as earning {$50.00} in cashback. This cashback, totaling {$250.00} was never paid to my account in XX/XX/XXXX or XX/XX/XXXX. Upgrade then closed my accounts in XX/XX/XXXX.
Product: Mortgage

I filled out an on-line loan application. Based on the quote, I authorized them to pull my credit report. The quotation was 2.875 % for 30 years, with a loan cost of {$1600.00}. I then was instructed to call them to finalize the application. When I did XXXX XXXX ( XXXX ) of AmeriSave Mortgage Corporation said the 2.875 % 30 year mortgage loan would cost {$17000.00}. This is clearly a bait and switch operation. Please shut this fraudulent operation down.
Product: Debt collection

On  XXXX   XXXX , I sent a dispute requesting validation of the alleged debt that  XXXX  is reporting. In particular I challenged t he Open Date  of    XXXX   XXXX   XXXX   as I  believe that the last payment was made in mid  XX/XX/XXXX certainly not  XXXX . I have heard that it is common for collection agencies to reage the debt in an effort to avoid  Statute of Limitation.      I never got any response to my letter and the reporting of the debt remains without any indication that it was being disputed.     On     XXXX   XXXX   , I se nt another letter requesting validation and still no response. The debt is still appearing on my credit report without any indication that it is in dispute. Statute of Limitations has expired but  XXXX  has in my opinion intentionally reaged the debt from its original  XXXX  time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  has yet shown any competent evidence bearing any signatures that I do in fact have or ever had contractual obligation to PAY THEM! I do not owe XXXX XXXX XXXX any alleged debt and this is a violation of the Fair Credit Collection Practice Act FDCPA 807 [ 15 USC 1962e ] ; all credit reporting agencies delete entry! 

Transunion - consumer collection service alleged {$86.00} XXXXXXXX XXXX XXXX XXXX for alleged {$86.00} ; alleged {$820.00} XXXX XXXX XXXX XXXX for alleged {$86.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The questionable account specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the Experian and XXXX credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be validated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled as soon as possible : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00}
Product: Mortgage

The mortgage ( Planet Home Lending ) company forgot to pay our first tax bill causing that one to be delayed. And then they didn't catch up on our second tax bill, so then our second one for this year was delayed and we were charged interest. Additionally On the escrow accounting they made us pay from our escrow that interest due to the error they made. We have been delinquent in our taxes our entire first year of home ownership, However, we have been paying the monthly payments according to our bill the entire time as agreed. I am current on my payments. Apparently, they messed up their accounting, according to a letter they sent me and now they say I need to pay them even more money to get on track. How can I owe them even more money due to their error? I checked my escrow account there was more than enough money to cover the latest payment and a balance in there. I can't speak with anyone physically at this company. I feel like something shady is going on. I gave them all my money into Escrow trusting they would pay the taxes as agreed and they have yet to make a single payment on time. Also they are now saying some surplus check they sent us in error months ago we have to give them MORE money to fix it? However, our tax bill is already paid now, which is great but none of these bills make sense. They need to be investigated under violations of RESPA. I am asking for your help because not a single human has returned our multiple calls. All I have gotten are letters and not a single human has called me or my husband to explain. We've called numerous times and requested phone calls back and no one has called or attempted to call either of us back. What are we supposed to do when we are paying as agreed and they keep paying our taxes and other bills late and messing the accounting up on our escrow. Please help us. This can't be legal whatever is going on here.
Product: Credit card or prepaid card

My new Citi credit card has declined charges numerous times. When I get Citi to fix the problem, it quickly recurs, preventing me from making charges on the card. I opened the card in response to a promotional offer that requires me to spend {$4000.00} in 3 months. Because of the bank 's frequent charge declines, it appears I may not be able to spend the required amount to receive the bonus they promised in the credit car contract. 

This is the only bank that consistently gives me this problem. I have credit cards with XXXX XXXX, XXXX, and other banks. They do not give me any problems like this.
Product: Mortgage

As a hardworking, US veteran, I take great pride in being an American homeowner, and I also take paying my mortgage in a timely manner seriously. My financial hardship began in XXXX of XXXX, when I was laid off from my job at XXXX. Although I was able to find employment at XXXX XXXX XXXX, the salary and hours were greatly reduced. In XXXX of XXXX, I was able to find employment at XXXX XXXX XXXX XXXX as an XXXX XXXXt, again low salary range but great potential for advancement. I was starting to get on my feet financially when COVID-19 hit America early in XXXX. I worked on the frontline during the height of the COVID-19 pandemic. In the Fall of XXXX, schools began closing and my XXXX XXXX job was furloughed indefinitely. I've made numerous attempts to reconcile my mortgage, but have not been able to do so ; I applied for mortgage forbearance, but was declined by my lender. In the month of XX/XX/XXXX, I was hired full time at XXXX, and my salary has increased significantly from my previous salary working for XXXX XXXX XXXX XXXX. Now that I'm in a better position financially, I know that I will be able to make regular monthly mortgage payments. 
I have served my country with honor, and I believe I deserve COVID-19 mortgage assistance with SPS. I would greatly appreciate an opportunity to work with you to put my mortgage in good standing. 
Hardship Milestones : XX/XX/XXXX Laid off from XXXX after XXXX years of dedicated service ( XXXX XXXX ) XX/XX/XXXX Started at XXXX XXXX XXXX at greatly reduced salary and weekly hours ( XXXX  XXXX ) XX/XX/XXXX Began working for XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XX/XX/XXXX Began working with XXXX XXXX XXXX XXXX I have paid my mortgage at XXXX XXXX XXXX XXXX XXXX XXXX Loan # XXXX ) on time for XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX. I have submitted loan remodification applications and forebearance plans applications to my mortgage company since XXXX when I got laid off. However, I am turned down each time. Last month, XX/XX/XXXX I was turned down again. Even though I was on the front lines during COVID-19 and I now have a job that pays enough for me to make my mortgage payments, they turned me down without listing a reason. This is unfair and unethical. All I'm asking for is a chance to save my home that I have owned for XXXX years. I appreciate any help that you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX NA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Checking or savings account

Navy federal credit union violated me they closed my savings account without notice. They took it upon themselves to re-opened it with a {$0.00} balance. Now that they have reopened the savings account, that have been formally closed, they are using the dummy and or unauthorized account in order to post ACH debits or credits, garnish my deposits and, or ACH deposited checks. They used this anccount to withdraw payments for outdated credit card purchases even though the account was previously closed. They have deceptively led me to believe my account was {$0.00} balance and active or in-compliance only to wait for my large deposit to post only to credit it to closed account. Truly deceptive banking I never received one letter stating my account was closed and then re-opened with any outstanding balances they basically just gave me another account with access and garnished everything I put in the account. This has caused me to become in debt with all of my financial obligations and the amount of stress it has caused my family and credit rating has caused me to become XXXX  due to emotional distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 15 usc1681 section 602 states I have the right to privacy. 15 usc1681 section 602 states 2 : it also states a consumer reporting agency can not furnish account without my written instruction. 15usc16666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Debt collection

I am receiving calls from Progressive Management Systems about an outstanding bill that my ex-husband owes for my son. I have asked the company to remove my name and telephone number, but they continue to call. 

I refuse to pay this bill because my child 's father is responsible for this bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently received my credit report and realized there is an incorrect reporting on my credit file. Transunion is reporting an incorrect report from XXXX XXXX  on my credit file. I have sent correspondence to them on the incorrect information being reported on my credit file and have requested for them to remove the fraudulent report as it is hurting my credit rating. It does not belong to me and have requested its removal and complete deletion from my credit file.
Product: Mortgage

I applied for a loan modification in XX/XX/XXXX and have been working with Bank of America for the past year to try and get help. The home in question is a rental property in my name and my husband and I were separated for some time so he moved into that property. When this information was provided to Bank of America, I was told to have him sign a lease agreement showing his occupancy in the home which we did. We went back and forth on proof of occupancy being needed and what we were providing not being sufficient. My husband and I then reconciled and he moved back into our primary home and we rented out the property in questions. We sent updated documents to show the new tenant 's occupancy and for the last five to six months have been denied because they can not verify our income. They said that because there are two lease agreements they have conflicting information and will never be able to help us. We discussed with them the timeline in which everything took place with our relationship manager, XXXX XXXX, she said that XX/XX/XXXX they received a copy of a lease agreement under my husband 's name, XXXX, and on XX/XX/XXXX they received a lease agreement under XXXX XXXX because XXXX moved back home and we leased the other property to XXXX. XXXX said that I needed to wait until the first application was removed from the review and then updated the information. I asked why 65 days went by without them removing our application and she said that a letter would have been mailed requesting additional information with a due by date and since that date did not pass the file was still open on XX/XX/XXXX. I asked her what the due by date was and she said she does not know because she does not see the letter was sent. I told her she was contradicting her previous statement and she said on XX/XX/XXXX a representative called to verbally tell me what was needed and a letter was not sent. I told her that it was my understanding by law that they need to mail a letter asking for additional information and can not just verbally call and ask for it. She responded and said that when they receive a packet they will respond with a letter of anything that is missing initially and after that they only verbally call if anything else is needed. She previously said that a letter with a due by date would have been mailed in XXXX which is why the file was still open but then later said there was no letter and they would verbally call. Nothing she said made any sense and I am stuck with being in foreclosure, on the verge of losing my home and they are refusing to assist me. I have provided the lease agreement and two checks from XXXX with her name and address showing her monthly rent payment to me and the money being deposited into my bank account. They have violated multiple laws with the handing of my mortgage.