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 XXXX XXXX XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I have a very unfair credit report also a lot of third party members have my information and credit report without my authorization
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found inaccurate items. 

Creditor : WORLD FINANCE CO ACCt # : XXXX I do not have a debt with World Finance Co and have tried repeatedly to get them to answer me to verify how they determined that this debt is mine. I have never had a debt with them and I am unable to get this item off of my credit report.
Product: Checking or savings account

First of all, Citi allowed online application to open the account without any notification about XXXX. Next, tax is deducted on savings interest and does not notify why interest is deducted without notifying even then that XXXX is not available. Only after I reach out multiple times, I am told XXXX is not on file and hence tax is deducted. Then I get a mailing address to send XXXX via US mail. When I followup a week after mailing because the tax is deducted even for the second month, I am told the address I mailed is incorrect because I was given incorrect mailing address. What is so bad is XXXX has complete information that includes full name, address and SSN. Now Citi is asking me to send the XXXX again to another address stating that is correct address. I can not XXXXmagine how bad this is because someone now has my personal information.
Product: Checking or savings account

On XX/XX/2021, the SBA deposited {XXXX} into MY CITI BANK ACCOUNT. CITI BANK decided to call it FRAUD and close out my account and keep my funds until this day. I don't know where my funds are. They will not return them to me nor the SBA. They will not give me any information nor have they returned me my money. They are a horrible and unprofessional company. They are saying I am committing FRAUD when I submitting countless proof that I owe a business and am entitled to those funds from the SBA.
Product: Credit reporting or other personal consumer reports

Dispute and Request for Resolution of Credit Reporting Inaccuracies Details : 1. Personal Identifiers and Authorization : The letter emphasizes that the only authorized personal identifier information is the data provided ( full name, address, date of birth, and the last four digits of the SSN ). 
Requests removal of any additional, incorrect, or unauthorized personal information, including alternative names, outdated addresses, or employers not listed by the consumer. 
2. Compliance with Reporting Standards : TransUnion is reminded of their legal obligation to adhere to FCRA, FACT Act, and XXXX XXXX Format standards. 
Requests investigation and removal of any inaccurate, inconsistent, incomplete, or unverifiable data. 
Cites the XXXX XXXX guidelines for accuracy, integrity, and timeliness of data reporting. 
3. Specific Disputes : Discrepancies in personal identifiers : Incorrect variations of the consumers name. 
Outdated or inconsistent addresses listed as current or previous residences. 
Employers and birth year inconsistencies. 
Claims any deviation from accurate and compliant reporting jeopardizes the integrity of the consumer data. 
4. Mandated Actions : Demands that TransUnion investigates and removes disputed items from the credit report until proven compliant with federal and state laws. 
Highlights TransUnions responsibility to maintain accurate and complete records. 
5. Call to Action : Requests immediate and permanent removal of any inaccurate or unverifiable information. 
Stipulates that any reinstated data must meet strict compliance and reporting standards. 

The letter reiterates the importance of integrity in credit reporting and demands accountability from TransUnion to ensure compliance with federal laws and industry standards.
Product: Mortgage

I called Freedom mortgage 3 years ago and asked why I was still paying PMI and the representative told me I was not paying PMI. Later on I realized I am PMI still and he was dishonest or mistaken. I have called and written requests of removal 4 times and each time they give me a different answer each time with a new denial. Freedom Mortgage sent me a letter with " GREAT NEWS '' stating My home value was {$600000.00}. My loan with them is now {$120000.00}. My original loan was {$150000.00} with over {$7000.00} put down for closing. 

The law states that I should have my PMI removed and I want to file a complaint that they have continued to refuse and deny the PMI refusal for their own financial gain and nothing else. That the threat that PMI was intended to protect them and is no longer there. 

PMI Cancellation Act benefits me under the right to remove PMI once you have reached 20 percent equity in your home ; that is, once your loan balance reaches 80 percent of the homes original value. So, I get a 2 percent jump here, which saves me from having the PMI payment.

For example, 20 percent equity in a {$300000.00} home means you can submit a cancellation request when your outstanding balance is {$240000.00} {$6000.00} less than the 78 percent equity threshold. 

I QUALIFY BECAUSE I HAVE DONE THE FLLOWING : -- -I have made the PMI cancellation request to my lender Freedom Mortgage in writing. 
-- -I have been current on your mortgage payments, with a good payment history. 
-- -I haveno other liens on the home or second mortgages. 
-- -I recieved Freedom Mortgage 's very own appraisal in the mail stating my home was valued at {$600000.00}. My homes value has skyrocketed not to mention the entire home was completely and elegantly remodeled. That notice of the value directly from Freedom Mortgage is attached. 
-- -My original mortgage was $ XXXX and now I owe {>= $1,000,000} ... ,20 % equity is {$31000.00} which calculates to {$120000.00} BELOW WHAT I OWE SO I DEFINITELY QUALIFY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAD AN ACCOUNT WITH XXXX THAT WAS CLOSED AND BROUGHT TO COLLECTIONS.. I'M HOMELESS AND UNEMPLOYED, AND I'M ON A FIXED INCOME..I CONTACTED THE COLLECTION AGENCY AND TOLD THEM MY SITUATION..WE CAME TO A SETTLEMENT AGREEMENT OF $ XXXX.THE BILL OWED TO XXXX WAS {$260.00}. THE COLLECTION AGENCY AGREED WITH SETTLEMENT, AND TOLD ME ACCOUNT WOULD BE REMOVED FROM MY CREDIT IN NEGATIVE STATUS..UPON PAYING THE AGREED SETTLEMENT, IT IS STILL SHOWING ON ALL 3 CREDIT BUREAUS AS A CLOSED ACCOUNT AND SHOWING THAT I SETTLED ACCOUNT FOR LESS THAN WHAT WAS OWED ... THAT REPORTING HAS BEEN AFFECTING MY LIFE NEGATIVELY..I CAN'T GET HOUSING RIGHT NOW BECAUSE OF THIS BAD REPORT BY EXPERIAN..MY CREDIT SCORE WAS OVER XXXX XXXX AND XXXX FLAGGED MY CREDIT FOR COLLECTION..SINCE THAT EXPERIAN REDUCED MY CREDIT XXXX POINTS FOR THAT ACCOUNT WITH XXXX, EVEN AFTER AN AGREED SETTLEMENT WAS PAID..THEY REDUCED MY CREDIT TO A POOR RATING, FROM A GOOD RATING IN LESS THAN ONE MONTH..I ASKED THEM TO REMOVE SUCH NEGATIVE REPORT, AND THEY REFUSE TO.. EXPERIAN HAS TAGGED THAT ACCOUNT TO BE REMOVED IN XXXX.THE COLLECTION AGENCY AGREED TO SETTLE OUT WITH ME AND THAT THE ACCOUNT WOULD BE REMOVED FROM MY CREDIT REPORT ... NOW EXPERIAN HAS DAMAGED MY NAME AND CREDIT WORTHINESS..I HAVE NO OTHER OPEN ACCOUNTS ..I BASICALLY HAVE NO CREDIT, BUT THE ACCOUNT I HAD WITH XXXX THEY ARE REFUSING TO REMOVE FROM MY CREDIT REPORT.. I'M HOMELESS IN CALIFORNIA, I'M TRYING TO GET HOUSING.. EVERY TIME A MANAGEMENT COMPANY CHECKS MY CREDIT THROUGH EXPERIAN, THEY GET A POOR CREDIT RATING, BECAUSE OF THE REPORTING OF XXXX THAT I SETTLED OUT WITH IS SHOWING ME IN A NEGATIVE WAY ... I DON'T THINK A CREDIT AGENCY SHOULD BE USING THESE MALICIOUS TACTICS THAT IS AFFECTING MY LIFE NEGATIVELY WHERE I CAN'T GET HOUSING..ITS WRONG AND DISCRIMINATORY..I HAD GOOD CREDIT..THEY ALSO ARE SHOWING THE LATE PAYMENTS FOR THIS ACCOUNT ON MY CREDIT REPORT, AND I BELIEVE THAT IS ILLEGAL... XXXX AND XXXX HAS MY CREDIT SCORE ABOVE XXXX, EVEN WITH THE XXXX THERE, AND EXPERIAN HAS MY SCORE BELOW XXXX, SHOWING ME AS HAVING BAD CREDIT AND CAUSING ME TO NOT BE ABLE TO GET HOUSING HERE IN XXXX XXXX CALIFORNIA..WHY IS THIS CREDIT AGENCY HOLDING MY LIFE XXXX WITH A XXXX DIGIT REPORTING NUMBER... THEY SHOULD NOT BE REPORTING A CLOSED ACCOUNT, THAT WAS PAID ON..
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted a formal request to Experian, XXXX, and XXXX to remove unauthorized credit inquiries from my credit report, citing violations of the Fair Credit Reporting Act ( FCRA ) under Section 604.

Despite my request, no substantiating documentation has been provided to verify the permissible purpose of these inquiries, and XXXX along with other major credit bureaus have failed to address or resolve the issue within the XXXX period required by law. 

The inquiries in question include : XXXX XXXX ( XX/XX/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  ) Referencing CFPB Case No. XXXX, in my follow-up complaint to the CFPB dated XX/XX/XXXX, still no proof of permissible purpose, documentation to substantiate the hard inquires, or corrective action has been provided. The continued reporting of these inquiries without validation constitutes a breach of my rights and an inaccurate representation of my credit file. 

I urgently request the immediate removal of these inquiries and a formal acknowledgment of this complaint to ensure compliance with federal law.
Product: Consumer Loan

I 'm unable to make the large biweekly payments. I called Ace Cash while in good standing to negotiate lower payments in order to make sure the loan is being paid and to avoid default. 

I was told by the customer service representative that I would need to default on the loan in order to make payment arrangements and that my best bet would be to work with their collections department. 

They are setting borrowers up to fail by pushing them into default. I should not have to beg to pay off my debt.
Product: Debt collection

I was contacted by XXXX on XX/XX/year> and told that I owed money for occupying an apartment that I was no longer living in. Once I provided email correspondence to XXXX of XXXX showing that me and XXXX XXXX from XXXX XXXX verified that I had moved-out of the apartment Communication between XXXX and XXXX stopped. Now XXXX  months later, my credit profile was sold to XXXX XXXX XXXX XXXX XXXX XXXX I am asking XXXX to remove any unresolved credit from profile. I will be seeking an attorney to file a harassment suit. 
Columbia Debt Recovery harassed my minor aged kids with scared tactics. 
Additionally, Columbia Debt recovery harassed me trying to obtain a debt that is not truly owed. I have sent a correspondence to XXXX XXXX a copy of all correspondence between me, XXXX of XXXX and XXXX XXXX XXXX XXXX XXXX.
Product: Consumer Loan

After setting up an auto payment with TD bank for a loan to finance the purchase of a pellet stove, I received a notice that the account was past due. I called customer service to confirm that auto-pay was set up, to which, they said that it was not. At this time, I set up auto pay for the second time and made a 1 time payment. However, the next month, the same situation occurred, with my receiving a past-due notice. 

Additionally, the account was set up so that it would not be paid off before the interest-free period was over, despite my stated intention to pay off the loan before the interest-free period ended. 

I believe that TD bank intentionally did not process the auto payment, and further that they intentionally changed the parameters of this loan so that it would not be paid off in time to avoid interest.
Product: Credit card or prepaid card

It is believe that a group of individuals would like to implicate me in a financial crime for which I'm a totally and completely innocent of. As I take steps to try and protect and insulate myself for fraud by attempting to close none operating / obsolete accounts, I'm having a hard time closing PayPal Business acct ending in XXXX. After 3 conversation each lasting more than an hour I still don't know is the account off or not which has been my request since before I spoke to XXXX XXXX XXXX office in XX/XX/2020 regarding weird activity. Either because the account was setup incorrectly regarding my name or the name was changed, I can not get past verification. Also I find out thru the automated system after speaking to customer ( XXXX ) service for over a hour to gain access that there is a primary and a SECONDARY card that I knew nothing about. This entire situation is frustrating and I need account close. I only used it twice last year and ordered it at the request of broker and I have been trying to close it ever since.
Product: Debt collection

There is a company called " XXXX XXXX XXXX XXXX reporting a collection amount of {$880.00}, and they are NOT reporting this account accurately, because it is reporting on my credit report under a middle name spelled " XXXX ''. That is not me and that is not my name, and I don't remember this alleged debt, and they are NOT suppose to be reporting late payments, because this account is labeled as a collection. Even though they are reporting late payments for the month of XXXX, XXXX, and XXXX of XXXX. Also, I sent a validation letter to this account on XX/XX/XXXX. This company was NOT able to validate this account. It has been very stressful and I have even sent an " Affidavit of Truth '' along with a " Cease And Desist letter on XX/XX/XXXX and they have had plenty of time, over 30 days ago to fix this problem, but they STILL haven't. I also sent a " Reinvestigation Request Letter '' to " XXXX '', " Equifax '', and " XXXX '' on XX/XX/XXXX and I STILL have not received any reply from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a matter of great concern regarding my account with the items in questioned. I believe my situation deserves immediate attention and resolution. 

I have encountered persistent issues regarding the removal of a late close on my account, which is included in a bankruptcy. Despite numerous attempts to rectify this matter through various channels, the issue remains unresolved, causing me significant distress and inconvenience. 

I filed for bankruptcy, and my account with XXXX XXXX was included in the bankruptcy proceedings. As a result, I expected that the late close on my account would be appropriately addressed in accordance with the legal processes outlined during bankruptcy. 

However, despite my best efforts, such as contacting customer service, submitting documentation, etc. ], the late close remains on my account, adversely affecting my financial standing and creditworthiness. 

I understand that mistakes can occur, but the persistence of this issue has prompted me to bring it to your attention formally. I kindly request that you investigate and resolve this matter promptly. I believe in fair and just practices, and I trust that Credit Bureaus will take the necessary steps to rectify this situation in a timely and efficient manner. 

If there are any specific documents or information required from my end to facilitate the resolution process, please let me know at your earliest convenience. I appreciate your attention to this matter and look forward to a swift and satisfactory resolution. I am asking for your assistance to remove these items in my credit file : XXXX  XXXX XXXX Balance : {$1100.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXX Balance : {$85.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

XXXX XXXX XXXX Balance : {$0.00} - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it. 

XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} - I did not file a XXXX  XXXX bankruptcy with the courts. When I spoke with the court clerk that did not have records. Please provide the contact information of the 3rd party data furnisher that provided you as the credit reporting agency with this misinformation so I may contact them directly.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX has violated my rights.

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

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

XXXX XXXX XXXX To : XXXX Thu, XX/XX/XXXX at XXXX XXXX  Dear XXXX the account number XXXX XXXX - Client Account number XXXX has been adjusted and a request sent to remove my XXXX XXXX XXXX. I am sending this email because I received a letter from XXXX XXXX Collection Representative XXXX or XXXX explaining that I owe XXXX when I have proof that the adjusted amount is XXXX. XXXX. I don't understand why I am getting a letter with the disputed amount. I have already reached out to XXXX XXXXXXXX XXXX XXXX managers and I was assured that they would handle their mistake. 

I am willing to pay what I owe but I need a letter with the new adjusted amount. I want to pay XXXX a month until it's paid off because I am on a limited income and if I can send more than XXXX a month I will. I just need something in writing explaining that NCS has accepted the adjustment because I can't pay on an amount That I know I do not owe. If I am unable to solve this matter I will contact Consumer Financial Protection Bureau in order to get this matter settled. Feel free to email me with an acceptance of the request submitted from XXXX XXXX Apartments located in XXXX XXXXXXXX. 

Thank you! 


Sincerely, XXXX XXXX XXXX P.S. I have the emails that were sent to me from XXXX XXXXXXXX XXXX concerning this matter. I found this picture online two weeks ago about your company 's business conduct. 

XXXX XXXX XXXX XXXX To : XXXX Cc : XXXX XXXX XXXX, XXXX, XXXX Thu, XX/XX/XXXX at XXXX AM Good Morning XXXX XXXX I hope your day is going great! I have attached the updated deposit accounting for previous residents- XXXX XXXX and XXXX XXXX XXXX XXXX is requesting to have XXXX XXXX removed off this debt and is willing to start a payment plan to settle debt. XXXX will need to work with you to have any payment plans approved. You have permission from XXXX XXXX to remove the debt from XXXX XXXX and to work with XXXX on the final debt amount owed allowing this collection account to be resolved. 



Should you have any questions or need additional information, please feel free to reach out, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Venmo is stating that my account has a negative {$620.00} balance on my account. The negative balance is from a fraudulent transfer from my personal bank. The bank agreed and probed the transaction was indeed fraud, had to open new accounts with new numbers. Venmo apparently plays by their own rules and says I owe that anyway. Im not liable for fraudulent transactions.

In my account I received {$700.00} from a friend and my Venmo account is suspended therefore Im now allowed to transfer the money to my account even though its my money. Venmo is holding that money XXXX saying they can use the {$700.00} balance to clear the negative balance then my account can be reopened which is not an option for me as I do not and should not owe any money to Venmo.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigates my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds in 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i which mandates a reasonable investigation of any disputes. Furthermore, XXXX actions may also contravene the Consumer. Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted In the CFPB 's recent administrative proceeding.