23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Home Headquarter the lender engaged a XXXX and XXXX to collect the debt. During the negotiation process the law firm began a suit. I with a pro bono attorney 's advice answered the law suit in a timely fashion. The lawyer 's office was aware that I had answered yet never requested judicial intervention and instead filed a default judgement against me thereby denying me due process.
Product: Debt collection

I am not liable for this debt I do not have a contract with this collection agency SENTRY RECOVERY I would like this item removed from my credit report due they have not sent me the original contract
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 # /ref # 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 items 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

XXXX Print complaint OPEN Submitted STATUS Submitted to the CFPB on XX/XX/2023 PRODUCT Credit reporting or other personal consumer reports ISSUE Improper use of your report We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT Credit collection services has reported on my consumer report, this violations of my fair credit reporting rights for I never received any information regarding that this being report on my consumer report. Therefore they this without my consent and Im asking that it be removed from my consumer report immediately. Under section ( 15 U.S.C. 1681 ) ATTACHMENTS XXXX ( XXXX KB ) View full complaint Sent to company STATUS Sent to company on XX/XX/2023 We've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days.

Returned by company STATUS Company responded the complaint does not belong to them on XX/XX/2023 The company responded that they are not the appropriate company to address your issue. 

The CFPB will review your complaint to see if we can determine the appropriate company. We will contact you if we need more information.
Product: Debt collection

When I first opened a credit account with XXXX XXXX XXXX, I only used the card a few times, and I always paid the balance in full. However, I had to file XXXX disputes with the company after discovering that someone had used my account without my authorization, even though I still had possession of my card. I was informed that the unauthorized charges were made using an identification card. I believe the charges that are hitting my credit repeatedly are do to fraud that has been done on my account.
Product: Mortgage

On XX/XX/2020 I reached out to XXXX XXXX XXXX a Senior Loan Consultant from New American Funding ( NMLS # XXXX ) in search of a mortgage. Before ending the conversation, XXXX XXXX requested that I upload personal information before moving forward in the process. After forwarding the documents requested, a week had gone by and I haven't heard from XXXX XXXX. I decided to give him a call, and during the conversation he became very apologetic and began to tell me how busy he was with other applications in that he would begin working on my application very shortly. Well, as of today, I haven't been contacted by XXXX XXXX at all. I'm also worried about the personal information which I uploaded, and the Hard Inquiry I received from New American Funding after requesting a copy of my credit report. 

XX/XX/2020 date of request Hard Inquiry : XXXXnew American Fundin XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian claims an item is verified although both the lender and the loan servicer are unable to find me in their systems. This means the loan was never mine. I submitted this to Experian, and they again just claimed it was verified. Additionally, they have the same account on there three times. It is for the one Im telling you XXXX/XXXX XXXX themselves couldnt verify. It says it was opened in XX/XX/XXXX, but Experian states this will be on my credit report until XX/XX/XXXX.
Product: Mortgage

My Husband and I entered into a sale agreement with individuals ( XXXX XXXX and his wife XXXX XXXX ) to sell our home located at XXXX XXXX XXXX XXXX Va XXXX <P/>The initial contract called for a XX/XX/XXXXsettlement. All parties then amended the contract noting aXX/XX/XXXXsettlement. OnXX/XX/XXXXour Real Estate Agent was notified at XXXX EDT that settlement would not occur on XX/XX/XXXX Sun trust Mortgage would not explain, nor tell us when we could close. Their staff made a mockery of our requests. The Real Estate Agents could not make any progress.
<P/><P/>Movers, Housing, plans had made made well in advance. Addendum settlement date was dated XXXX. XXXX XXXX and XXXX XXXX established this Bureau to help ensure that consumers were dealt fairly and equitably. <P/><P/>We initially payed and extra {$770.00} ( see cd attatched ) for an extended 60 day lock. Now, without any guidance regarding when eventual settlement would occur, we were forced to secure an extra 7 day lock for a cost of {$660.00} Sun trust never made the update in their system. <P/><P/>Thus we are requesting {$1600.00} from Sun Trust as a result of their negligence. <P/>I am a XXXX XXXX. XXXX XXXX XXXX XXXX, serving on a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX <P/>I am also XXXX XXXX XXXX with my XXXX XXXX I expected better treatment from the mortgage company employees. I expected to be treated equitably. And mostly, given the fact that being in limbo for 5 days is less than highly conducive to XXXX relief given my condition. <P/>I am not requesting temporary quarters compensation, nor any other " hard '' cost that I may have absorbed. <P/>Pay my family for the locks caused by your negligence. Make us whole. <P/>Best, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va. XXXX
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX. I need a PIN for all my credit reports asap XXXX XXXX XXXX lexis nexis
Product: Debt collection

I closed my insurance and don't owe anything but i have a collection on my report from my insurance company. The company has not sent me proof that i owe the amount. Progressive says I'm paid. Please help me to get it removed from my credit report as i don ; t owe it.
Product: Debt collection

AR Resources had inputted on all three of my credit reports that I owe {$1800.00} from XX/XX/2018 and {$1200.00} from XX/XX/2018 and {$870.00} on XX/XX/2018. I have disputed it with all three credit bureaus. The response I received back to validate the information was an actual document from the hospital violating the HIPPA law, showing my name, my dates of service and the cpt codes, the description of my visit and the Dr who treated me at the time. Nothing that confirma this debt is mine, no signature, no contract anything. Just my personal Dr records. that they should not be in possession of. When I called them in late XXXX to express that they have violated the HIPPA law to remove those delinquencies at once. The rep and her manager got very angry with me and advised me that they didn't send me the letter when the envelope is from AR resources and notes their address.
Product: Credit reporting or other personal consumer reports

This morning, I was completely shocked to find inaccurate accounts appearing on my credit report. I have no clue how they got there. I routinely check my credit report, but this time, out of nowhere, there were these discrepancies. I even tried refreshing my browser, hoping it was just a glitch, but the inaccurate accounts stayed put. Because of this, I'm urgently requesting that the documents Ive sent be reviewed thoroughly so I can finally stop worrying about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried calling but either disconnected while waiting or other issues. 

XXXX : I am requesting the 'parameters ' used to determine their Fair Isaic Code determination for the credit score matrix for ; 08, Too many inquiries last 12 months, 09, Too many accounts recently opened, 10, Proportions of balances to credit limits is too high on bank revolving or other revolving accounts, 14, Length of time accounts have been established, Equifax : I am requesting the 'parameters ' used to determine their Beacon Code determination for the credit score matrix for ; 00005, Too many accounts with balances, 00014, Length of time accounts have been established, 00030, Time since most recent account opening is too short. 

XXXX XXXX : I am requesting the 'parameters ' used to determine their Empirica Code determination for the credit score matrix for ; 004, Lack of recent installment loan information 012, Length of time revolving accounts have been established, 014, Length of time accounts have been established, 030, Time since most recent account opening is too short. 

I would request their parameters for all the individual codes for future use. 

Thank you, XXXX
Product: Credit card or prepaid card

In XXXX 2020, I flew with XXXX  XXXX, and used my {$100.00} airline fee credit through my Bank of America premium rewards card. Before I flew, I called BofA and a phone rep told me that the {$99.00} would be refunded to me. I verified this with other phone reps and supervisors. I was told that in 2 weeks, I would be reimbursed, but never was. 

I later called a BofA supervisor and he was appalled at how BofA had handled my complaint, so he filed a complaint on my behalf but I never heard back regarding the complaint. 

Finally, after getting fed up, I filed a XXXX  complaint and on XXXX XXXX, I received an email from XXXX XXXX from Bank of Americas regularly complaints office, saying that he would handle my complaint. I never heard from him again, so I reopened the XXXX  case. I have emailed XXXX XXXX but not received a response. I have left many voicemails for him and called more than 50 times, but never heard backit goes straight to voicemail ( he never picks up the phone ). 

I believe that XXXX XXXX initially responded to me just to close the XXXX  case, then forgot about me, so I want to file a complaint against him for his poor handling of this complaint that I have spent countless hours trying to get reimbursed for.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the persistent attempts to remove the late closed status from my account with Credit Bureaus. Despite numerous notifications and efforts to address this matter, it seems that these attempts continue unabated, causing significant inconvenience and uncertainty. 

I have diligently worked to resolve any outstanding issues associated with my account, including addressing the circumstances that led to the late closure. Through proactive communication and adherence to payment agreements, I have sought to rectify the situation and demonstrate my commitment to responsible financial management. 

However, despite my efforts, I have observed multiple instances where the late closed status has been inaccurately targeted for removal from my account. These unwarranted attempts not only misrepresent my financial history but also undermine my efforts to rebuild my credit standing and regain financial stability. 

I urge Credit Bureaus to conduct a thorough investigation into the root causes of these persistent attempts to remove the late closed status from my account. It is imperative to identify any systemic flaws or errors in your processes that may be contributing to these inaccuracies and take immediate corrective action. 

Furthermore, I request transparent communication and documentation regarding the justification for each removal attempt. 

I also seek assurance that appropriate measures will be implemented to prevent future occurrences of such inaccuracies. This includes strengthening internal controls, enhancing staff training, and implementing robust validation processes to ensure the accuracy and integrity of customer account information. 

I expect a prompt and comprehensive response to this complaint, outlining the steps that Credit Bureaus will take to address these concerns and prevent their recurrence in the future. Failure to do so will compel me to escalate this matter to relevant regulatory authorities and seek redress through legal channels. I am asking for your assisstance to remove this account in my credit file : XXXX. XXXX XXXX  XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary.
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 : 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 an 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 items 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: Vehicle loan or lease

consumer portfolio services Took nonjudicial action to effect dispossession of my property. ( 15 USC 1692f 6 ) consumer portfolio services commited identity theft by disclosing my nonpublic personal information to a nonaffiliated third party without giving me the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and consumer portfolio services give an explanation of how the consumer can exercise that nondisclosure option.
Product: Money transfer, virtual currency, or money service

I attempted to find a number to call moneygram customer service and in XXXX ; under " Ways to contact us '', the phone number listed is actually for a XXXX hotline. The number is XXXX XXXX XXXX.
Product: Mortgage

Mortgage Payment was mailed to address on coupon provided by Provident Funding, same as I've done for last 20+ years. They claim they never received the XX/XX/XXXX payment, mailed on XX/XX/XXXX. I called customer service, and was told to cancel the check and resubmit, which I did immediately. However, they are INSISTING that this is my fault and are assessing a {$39.00} late fee. They refuse to refund the fee, stating that is " wasn't a Provident Funding '' error. However, there's really no way to know where the error is... ..they send me a coupon book and instruct me to send the check to a lockbox/ po box , and from there they have a courrier pick up. For them to give me these instructions and then say they have no responsibility if something goes wrong ( once in 20 years! ) is ridiculous. I've made good on the payment and want my {$39.00} refunded.
Product: Debt collection

Good morning! 

I was called from a debt collector about this account. I was making payments until I think I missed 1 or 2 a few years ago and it was removed from my USAA banking account. I would like to still make payments on this loan or is there anyway to remove this hard inquiry from my credit report? 

Thank you! 

Info on account : Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Account Amount : {$3400.00} [ CLOSED ] Last Payment : XX/XX/XXXX, XXXX. 

" Remarks '' Charged off as bad debt. Profit and loss write-off. '' Additional details Business type Bank - Installment Loans Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Product: Checking or savings account

I have been a Wells Fargo consumer for XXXX  years. I have worked for Wells Fargo for XXXX  years. Upon opening a new account, I deposited a cashier 's check and it was placed on hold for XXXX  days with no funds available prior which is Wells Fargo procedure from my understanding. My personal and business accounts have now been closed due to XXXX  per Wells Fargo. One week before, my personal information was verified in order to open a business account. Months prior, my personal account was verified by a branch banker with no issues. The bank closed my accounts, after verifying me and debited my funds which were needed immediately and has caused me major hardship.
Product: Checking or savings account

XXXX - I found no way to add to this earlier complaint. The banks has {$140.00} of my money. I want it back! XXXX with no last name was handling this for the bank, but won't respond to my emails. I no longer wish to have an account with these people, but still want an apology for their idiocy. I did an ACH transfer that someone claimed was from a dormant account that had the funds and had only been recently opened.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's rights to privacy. Equifax, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which it states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumers report under the following circumstances and no other : in accordance with written instructions of the consumer whom it relates. '' ( XXXX XXXX ) the financial institutions and the Consumer reporting agencies Equifax, XXXX, XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any consent to Equifax, XXXX, XXXX, ( XXXX XXXX ) whether it verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states a Financial Institution may not disclose nonpublic information to nonaffiliated third party unless : the consumer is given an explanation on how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' These accounts are adverse items that reporting without my permission which is illegal and against the law. 15 USC 1681 s-2 ( A ) ( 1 ) A " states a person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of this section 1681 c of this title and to limit the furnishing of consumer reports to the purposes listed under this section 1681b of this title. '' XXXX, Equifax, XXXX are not maintaining reasonable procedures. also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. And I'm opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.