23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXXXXXX XXXX # xxxxxxxxxxxx XXXX, XXXXXXXX XXXX XXXXXXXX # xxxxxxxxxxxxx XXXX, XXXX XXXX # xxxxxxxxx XXXXXXXX XXXX XXXX # xxxxxxxxxxxxxxxx XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX # XXXXXXXX XXXX XXXX XXXX XXXXxxx, XXXX XXXX XXXX XXXX # xxxxxxxxxxxxx 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

Experian has defended to investigate XXXX XXXX XXXX that starts with XXXX. they have been provided with the correct documentation in the mail, have received the CFPB report stating it was removed, received a XXXX XXXX paperwork stating it was removed, recover the XXXX paperwork stating it was removed and personally had me call requesting removal off account. Violation XXXX procedures [ XXXX U.S.C. XXXX ] B ) Accuracy of report has been XXXX of many violations as they have also failed to resolve the issue within the first 30 days this dispute was first sent. This is now day XXXX with no resolve to the issue and refusal to investigate accurately.
Product: Credit reporting or other personal consumer reports

I filed for XXXX back in XXXX and listed my vehicle in my XXXX. The vehicle was financed through XXXX XXXX XXXX. The vehicle was paid off through the XXXX. XXXX received funds for the vehicle. But keeps reporting the vehicle as being charged off on all 3 of my credit reports. Ive ask that they validate it up date the information or completely remove it from my credit report but instead they keep reporting it as a charge off. When I asked for the removal or validation back in XXXX of XXXX they then started reporting it as a charge off and have been doing so.i would like for it it be completely removed from my credit reports altogether.
Product: Vehicle loan or lease

XX/XX/XXXX - made a payment, talked with a rep and told her i would make next payment however days later was repo after only missing 2 payments due to not working during covid XX/XX/XXXX - took the car refused to give it back ( i have the title to the car, they said they would wipe of credit etc ) XX/XX/XXXX went to the lot were car was cuz my things were inside and I was told that this car was sold!!!! It was only a day after i tried to get the car back XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Ive been disputing this for two years! This was an unlawful repo! After paying a XXXX deposit
Product: Mortgage

Bank of America Home Loans  transferred my mortgage to  XXXX   XXXX   XXXX   XXXX  ( BLS ) effective   XXXX   XXXX  . I started receiving mail from BLS that I was  XXXX  months delinquent. I filed numerous inquiries with BLS (   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX    )  and submitted documents showing proof I was not delinquent and asked  XXXX  to substantiate their claim, which they can not do. They stated to me that they could not provide this information because they did not have it or serviced the loan prior to   XXXX   XXXX   So BLS is collecting on a debt they can not substantiate is warranted.   Not until I filed a CFPB complaint, number  XXXX  that  XXXX  gave me  XXXX  's history information so I  XXXX  review. Reviewing this information, shows where the mistakes occurred but all money is there. Based on the information that was supplied from BLS from my complaint, it does not show that I am delinquent  XXXX  payments.Both BOA and  XXXX  are at fault to the information between the transfer.   Had BLS verified the information before, during and after the transfer from  XXXX ,  XXXX  would have seen the mistakes and realized all monies are accounted for and that  XXXX  has made the posting mistakes.   In order for  XXXX  to open a BOA inquiry, I had to enter a re-payment plan in order to avoid foreclosure. A plan that I should not have had to enter. My BLS point of contact from communicated that my  XXXX  inquiry to investigate posting mistakes was opened   XXXX   XXXX   XXXX   Today,  XXXX  months later, I still have not received a claim number or any resolution about the mistakes.   I have supplied all supporting documents that prove I have made all necessary monthly payments and that my account is current.  XXXX  continues to post my payments to the incorrect months.     Sincerely,  XXXX   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Checking or savings account

On XX/XX/2022 received an email stating my new Ally bank checking account. On XXXX XXXX received another email stating my email had been changed. I then called Ally fraud services and they corrected this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Am the consumer, and in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, XXXX, and Equifax. I have informed the consumer reporting agencies XXXX, XXXX, and Equifax by mail of the specific XXXX they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ). Block and remove the XXXX that I have requested to be removed from my consumer credit report
Product: Credit reporting or other personal consumer reports

I am filing this complaint to express my deep disappointment and frustration regarding your company 's lack of response to the compelling evidence I provided through an FTC affidavit.I specifically want to address my most recent communication on XX/XX/year>. In that correspondence, I requested TRANSUNION to conduct an investigation to authenticate a disputed account. I highlighted that this account potentially contained inaccuracies and should not be on my consumer report. While an " investigation '' was carried out, I must bring attention to a significant issue that has arisen. I received a letter stating that the creditor confirmed the accuracy of the accounts.It seems improbable that this creditor, managing millions of accounts across various bureaus, would take the time to verify this specific account unless prompted by TRANSUNION. I strongly believe that TRANSUNION employed delaying tactics against me in processing this investigation. Let me be clear : such behavior not only constitutes a stalling tactic but also violates the Fair Credit Reporting Act ( FCRA ) by neglecting to address my dispute request. The initial request for investigation was solely initiated by me, with valid reasons to believe inaccuracies existed on my credit report and without involvement from any third-party agency. It appears TRANSUNION intentionally disregarded my request for a thorough investigation.Therefore, this complaint serves as a formal notice demanding TRANSUNION to provide a detailed outline of your verification procedures within XXXX  days for the specified accounts below. Failure to comply will leave me no option but to pursue legal action against your company. Please investigate and remove it from my credit report.
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 disputed information outcomes. These failures align with my experience, where Experian has neither corrected 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 disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2900.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$120.00} XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX XXXX Balance : {$210.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$310.00}. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the below accounts have violated my rights. 

XXXX Account # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) # XXXX 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

In  XXXX  &  XXXX  I worked for  XXXX   XXXX  in  XXXX , NC. My job was having financial issues and twice my check bounced. Each time I submitted a letter from my employer as well as the money to cover the charges incurred. Bank of America reported me to   XXXX   XXXX   for bounced checks and fraud. I believed the did removed the fraud but not the bounced checks as to my understanding the check would 've needed to be from me to me to be on my credit or from me to others. I have tried to get this settled for years with the run around. Telling me to have  a manager open a new account and clear me. To them telling me that it can not come off until someone hired off takes me off but they can clearly see all the documentation but are holding it against me.
Product: Student loan

Hello, I am a graduate from XXXX. I pay my loans back to Great Lakes Student Loans. Over the past several months I have been trying to pay back my high interested loans. The way that the loans are set up, I must pay back the standard monthly payment, which applies a little bit to each of the loans I have, including the high interest loans. I have complied with this requirement. I have also been trying to pay ahead by putting extra money into the high interest loans, which are 6.8 % interest. Whenever I call to pay ahead, the person that I talk to on the phone tells me very clearly that I am up-to-date on payments, and that the money I pay ahead will go directly to the high interest loans that I am requesting to pay off. After about a week I will check my account to find that they have not done that, and instead have applied a little of the money I pay ahead to all of the loans, not specifically to the high interest loans. My online account says that I am even paid ahead until XXXX 2017, yet I can not get through to the customer service at Great Lakes Student Loans that I want these high interest loans paid ahead. I have talked to them so many times about it and can not get them to comply. I do n't know what to do about this anymore. I would really like to pay ahead on the high interest loans but the representatives that I talk to at Great Lakes simply wo n't apply the money correctly. If there is anything that can be done please help me. I really feel like I 'm getting XXXX out of money.
Product: Mortgage

My name : XXXX XXXX XXXX, Loan # new # XXXX # XXXX, Wells Fargo home Mortage, I mailed my payment XXXX XXXX, received in XXXX Tx XXXX at XXXX am. deliverered to their XXXX XXXX at XXXX XX/XX/XXXX.I checked my checking acc with XXXX Bank the money still in my account.I phoned this morning and talk to a representative of Wells Fargo named XXXX our conversation finished at XXXX, I asked her to checked and payment has not been credit to the account yet. I have a Modification mortgage my payment can not be late which is on the XXXX of the month.I mailed to the new address as requested : Wells Fargo Home Mortgage, XXXX XXXX, XXXX, Texas XXXX tracking showed it has been delivered on XXXX XX/XX/XXXX.They have done this before to me last year and I had to filed a complain in order for them to fix their mistake and admitted to me. last year the check did not go through the system property and they called me on the XXXX of the month to let me know that they needed it XXXX payment they claimed to silly excuses after two month they admitted that was their mistake that their system did not clear the payment however they never send me back my check, no late fee was charge or any other notice of late payment. This time they change loan numbers and change mailing address for the ones who pay with check trying to force people to get automatic bank payment which is not to my satisfaction or to pay on line, which will expose me to hackers, and me as other XXXX people do not, like that system. Where is my check and why they have not applied the payment of this month that was mailed on XXXX certified XXXX XXXX XXXX XXXX XXXX, and received and delivered to them XXXX XXXX XXXX Wells Fargo Mortgage Company gave a big problem with my Modification twice denied and finally approved on the temporary XX/XX/XXXX, XX/XX/XXXX was finally permanent approved, paying always on time, they want clients to show default in payment to cancelled the Modification. Please help me, Where is my check mailed Certified AND DELIVERED ON XXXX, CHECK # XXXX for {$330.00}? they are holding my check, this is illegal.Someone needs to do something about this Mortgage Company.Thank you. XXXX XXXX XXXX, phone XXXXI need a resolution to this matter as soon as possible.
Product: Bank account or service

I WAS THE EXECUTOR OF MY FATHER 'S ESTATE.A BANK ACCOUNT WAS OPENED # XXXX.I WANTED TO FIND OUT WERE THE LAST CHECK FROM THIS ACCOUNT WAS DEPOSITED.I GOT A COPY OF THE CHECK BUT THE BACK IS ILLEGIBLE.I HAVE A RIGHT TO KNOW WERE THIS CHECK WAS DEPOSITED.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of identity theft, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. here are the list of items that needs to delete in my file ASAP : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX BANK XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am reporting to formally notify the Consumer Financial Protection Bureau ( CFPB ) of Equifax continued non-compliance with consumer protection laws and to request immediate intervention to ensure adherence to these laws. 

I have encountered multiple issues with Equifax that I believe are in direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other related regulations designed to protect consumers. Despite my best efforts to resolve these issues through direct communication with Equifax, I have not received a satisfactory resolution, nor have they taken appropriate corrective actions.

The specific issues I am experiencing include, but are not limited to : Inaccurate reporting of my credit information, including outdated or incorrect items on my credit report with Navy Federal Credit Union. I demand to see verifiable proof of an original consumer contract with my wet signature on it that they have on file for the account listed on my credit report. Failure to investigate a dispute I filed, as required by law. As required by the FCRA, Equifax is obligated to ensure the accuracy and completeness of the information in its reports and to investigate any disputes within the legally defined timeframe. Equifax is not complying with their own policies within in 30 days to investigate, which has passed and I have not got any investigation status at all. My dispute letter was sent XX/XX/year>. Equifax 's failure to comply with these laws has caused me significant harm, including damage to my credit score and difficulty obtaining a car. 

I respectfully demand that the CFPB investigate this matter and take appropriate enforcement action to ensure that Equifax complies with all applicable consumer protection laws. I request that the CFPB promptly communicate with me regarding the status of this issue and any actions taken. 

Thank you for your attention to this serious matter. I trust the CFPB will act swiftly and appropriately to address this non-compliance and protect consumers like myself from further harm.
Product: Mortgage

I purchased my home in XX/XX/XXXX. Last XX/XX/XXXX I received mail saying that I had a surplus in my escrow account therefore the mortgage company ( Mr. CooperXXXX ) XXXX me a check for XXXX that was the surplus amount. My mortgage payment also dropped to {$1700.00} a month from the original {$2400.00}. Then in XX/XX/XXXX I received mail that I had a deficit in my escrow account. As a result the mortgage company is now asking me to pay $ XXXX to make up for the deficit and if I don't my monthly payment would increase from {$1700.00} to {$3800.00}. This is an absurd number to XXXX XXXX where if I had to pay {$3800.00} a month I could not afford it. Luckily I did not spend all the XXXX and have savings therefore paid the XXXX but I also learned that with this payment, my monthly mortgage would increase to {$2600.00}. If I had known this, I would have never bought this house in XXXX. 

I also learned that the mortgage company typically does their escrow analysis once a year at the end of the year so why was my escrow re-evaluted mid year in XXXX? Why would they make me go from {$1700.00} to {$3800.00} a month like it wouldn't be a problem? If I hadn't saved money, I would be unable to pay my mortgage, therefore losing my house and defaulting on the loan leading to a bad credit history which I never had. To me this is an abuse of my mortgage company not doing their due diligence in figuring out the escrow for the year, then making me make up for their mistake which is completely wrong - especially in an inflated economy right after my area has went through XXXX hurricanes back to back last year.
Product: Debt collection

My credit score was adversely affected by a report from Certified Services , Inc, XXXX XXXX XXXX, XXXX, Illinois XXXX ( XXXX ) XXXX Fax ( XXXX ) XXXX collecting for XXXX XXXX  XXXX XXXX XXXX bill from XXXX for {$260.00}. I provided bank information showing that I had paid that amount to XXXX XXXX XXXX, but they refuse to remove the complaint from my credit report. I am also fighting this complaint with XXXX and with the office of the attorney general in Illinois.
Product: Checking or savings account

BBVA took over my bank ( Simple ) and the transition was supposed to be " seamless '' - was set to go into effect this past Saturday, however their entire system crashed leaving me without access to my money for three days and counting. Their call center wasn't accepting calls over the weekend and it's now Monday and I've been on hold for hours trying to get in. The system keeps hanging up on everyone. There HAS to be a penalty for keeping people locked out of their account for 72 hours.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, New York XXXX Social Security Number : XXXX Date of Birth : XXXX  To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.