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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my TRANSUNION credit report on XX/XX/XXXX 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 supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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. 
According to 15 USC 1681s-2 they are supposed 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 inaccuracy.
Product: Mortgage

I called and spoke with a CFPB Representative on XX/XX/XXXX regarding the above complaint filed with CFPB. We spoke at length about my problem with a Reverse Mortgage Agreement entered into with Wells Fargo Bank in XX/XX/XXXX that was transferred to XXXX XXXX the first of XX/XX/XXXX. At the time of Initially applying for a Reverse Mortgage through Wells Fargo real estate representative XXXX XXXX, located in XXXX XXXX, Idaho, on or about XX/XX/XXXX, I went through a training session with a Community Action representative in XXXX, Idaho, in order to acquire the loan. Before the loan could be implemented, the training certificate had already expired. I had gone to California for a visit. Wells Fargo was in a rush and required me to sign the loan in California, though the property was in Idaho. They sent a notary to my friend 's house to get my signature on documents, who failed to show me the details of each page I was required to sign. Though the home I own is on five acres, in the process of acquiring this loan on my home, I was goaded into providing an additional parcel of land of another five acres. This additional land is a separate tax entity and is not included in the tax payment on my land. Regardless the loan documents were drawn up to include 10 acres. Taxes are always paid as a separate entity. The appraiser appraised my home and verbally told me the appraisal was {$370000.00}, an appropriate amount of the reverse mortgage was never funded, and the additional amount of land Wells Fargo would own was tacked on later. I endured the situation through the recession, but near the end of XX/XX/XXXX Wells Fargo notified me that another company, XXXX XXXX, would be taking over my reverse mortgage.
Product: Mortgage

Specialized loan services has incorrectly messed up my escrow balance and tax payments for several years. To the point that my house ended up in tax sale because they didn't pay my taxes accurately or on time. This year they have drastically messed up my escrow balance once again. They had my taxes listed as semi annually instead of annually causing me to be XXXX deficient in my escrow trying to charge me double my mortgage payment. I caught on to this and after several phone calls they sent a new statement still showing I was incorrectly short XXXX. I tried to call several times and was on long hold times in excess of 2 plus hours waiting to speak to someone helpful. I resulted in sending communication through the email exchange since I was on hold so long. I still cant make a payment on my mortgage on XXXX sine my payment is completely inaccurate and my escrow balance is still incorrect.
Product: Mortgage

Chase mortgage Is stating on my credit report that my account was charged off in a chapter XXXX bankruptcy and the account has been closed. I have not included this debt in my chapter XXXX plan and this was on the outside payment, I have been timely and never missed any payments as per contract. I would like it to report payed as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX  reported on XX/XX/XXXX in the amount of {$56.00}, XXXX XXXX XXXX reported on XX/XX/XXXX in the amount of {$65.00} XXXX XXXX XXXX in the amount of {$55.00} reported on XX/XX/XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a call at around XXXX XXXX. from someone who said he was XXXX XXXX XXXX  XXXX XXXX in credit card services. I was with family so did not answer. A recording was left. He stated that if he could not get me on the phone he would put a " security hold '' on a XXXX credit card they had issued in my name and to call them right away. So on Monday XX/XX/XXXX I called XXXX  and talked to XXXX in their Fraud Dept. He asked me some questions and stated the person who applied for the XXXX credit card said she was a Nurse. I have never been nor am I now a Nurse. This person used my credentials except for the addres which they used at XXXX XXXX XXXX XXXX, PA... I told him this was a bogus address and I have never even visited Pennsylvania nor do I know anyone or have not ever lived at that address. He said he would take care of it and make sure and let the CRA '' s  ( experian, XXXX, XXXX ) know and make sure it comes off my reports. He did not. It is still showing as an address along with a XXXX Credit card for {$11000.00} on my credit report. This is wrong. I have informed Experian and sent a police report as I had the Officer listen to the recording. I have also filed a complaint with the FTC stating Identity Theft and will attach it to this info. XXXX XXXX XXXXXXXX still has not removed this " bogus '' information from my credit reports even though I have requested a letter promising they would. I have not received one. I have spent hours and hours on the phone trying to resolve this.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account XXXX XXXX XXXX Unauthorized inquiries : XXXX XXXX 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 XXXX XXXX XXXX XXXX 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 XX/XX/XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple over draft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged postings of charges and credits. This issue aligns with the recent CFPB against Navy Federal Credit Union for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into My account transactions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX XXXX : XX/XX/XXXX ( This Is Not A Duplicate ) To : Equifax This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax, XXXX, XXXX, XXXX, XXXX XXXX XXXX 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 a personal credit cards and others : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 

A copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 are the result of identity theft and fraud. I have attached a copy of my Drivers License, a copy of my Social Security Card, a copy of Proof Of Residence and a copy of the FTC Report .... 

Please make sure neither company ( lie by stalling ) saying that they need proof of identity because I am sending proof of identity with this report.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unauthorized Zelle Transaction / Zelle Fraud Dear Sir/Madam, I am writing to file a formal complaint regarding an issue I have encountered with Zelle, a money transfer service associated with my bank. Despite my best efforts to resolve the matter directly with my bank and Zelle customer service, I have been unable to reach a satisfactory resolution. 

This issue has caused significant financial inconvenience, and I am concerned about the security and reliability of Zelle as a payment service. As a consumer, I expect that my transactions will be processed securely and that any issues will be handled promptly by my financial institution or Zelle.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I applied for a credit card with XXXX and authorized an inquiry of my credit report. One was made at that time to my Experian credit file. The application was declined and no further relationship with XXXX was established. 

But then XXXX made TWO additional inquiries to my Experian credit report on XX/XX/21 and XX/XX/21 without my authorization. 

XXXX was nonresponsive to my requests to remove the inquiries and Experian said they don't allow disputes to be made of inquiries.
Product: Mortgage

Ameris Bank states they have paid my property taxes that were due in XX/XX/2020. They have not. The county taxing authority has confirmed this to be the case. I made this information available to Ameris Bank. Ameris Bank has provided no proof that they have paid the property taxes. I have since paid off my mortgage and they are holding {$4000.00} that needs to be refunded to me. I have written multiple requests and made multiple telephone calls to request they resolve this. They have multiple times written me letters stating my requests have been resolved. They have not once addressed my concern regarding the payment of property taxes or provided me with any proof that they have paid this. 
This issue started XX/XX/2020. I paid off this mortgage on XX/XX/2020. I have made multiple complaints in writing and verbally. None of these complaints has been appropriately answered despite the fact that I have asked them to provide written documentation relied upon for them to reach the conclusions that the issues I raised are resolved. I have spoken with several customer service representatives and multiple supervisors who tell me they will have to research the concern each time and then mail me a generic letter stating it is resolved without even addressing the concern.
Product: Debt collection

15 U.S. Code 1692c If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer.
Product: Mortgage

I requested to have late payments removed numerous times and McCue Mortgage has refused to do so. It is preventing me from obtaining another mortgage.
Product: Mortgage

I have a loan ( XXXX mortgage ) on a XXXX home where I spend 4 months of the year plus weekends during the remaining 8 months with PNC Mortgage. This loan is a purchase money loan that I have had for almost 2 years, with no payment problems. However, when I asked PNC Mortgage whether I can transfer the title into my XXXX Trust ( a standard estate planning document ) they said no. They told me that if I go ahead and make this transfer they will declare the entire balance of the loan due.
Product: Checking or savings account

I have a savings account with Capital One with about {$6500.00} in it. When I called and asked to get the money in the account I was told the money was being held so it could be returned to its origin. 
My savings account was used to deposit the rental income from a home I rented out at the time so the money that was in the account was lawfully and legally mine and nobody else 's. When asked about more details or a timeline on When they'd be done I wasn't given any answers except that there hasn't been an update on the account since XX/XX/year> and there's been nothing since. Refusing to return money that I legally earned is theft and I would like my money returned to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting Act. Then the list of inquires below has violated my federally protected consumer right.to privacy and confidentiality under 15USC 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 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Re TARGET XXXX. 
I am so grateful Senator XXXX XXXX established This organization and President Obama set XXXX Director. 
TARGET is attempting to collect {$240.00} which I do not owe. 
XX/XX/XXXX I was hospitalized. My Son made {$20.00} payment on acct for flat screen TV. 
XX/XX/XXXX acct was paid in full BEFORE year purchase. 
I receive demand for {$25.00} late fee. This fee was set because My Son did not pay {$25.00} XXXX TARGET determined {$5.00} was late, therefore, I owed {$30.00}. 
I called TARGET, placed messages for CEO. Contacted Billing, speaking to someone in another country advising the fee is legitimate. Having paid acct in full mattered not. 
Calls, connections, TARGET reps calling to say the problem was handled. And ... 
There is Collection Agency threatening lawsuit, threatening to RUIN my Excellent credit which I have worked determinedly to preserve. 
I am senior, can not afford RUINED CREDIT resulting from TARGET XXXX determination to collect {$240.00} because My son, trying to help, made {$20.00} payment instead of {$25.00}. 
Paying full balance as soon as I was released from Hospital, having Always paid more than {$25.00} month meant nothing to TARGET. 
My TV was purchased XX/XX/XXXX. Paid in full XX/XX/XXXX. 
TARGET received payments {$40.00}, {$50.00} and more. I was excellent TARGET customer. And now MY GOOD CREDIT is being ruined all because of {$5.00}. 
HELP, Please. 
Do not allow TARGET to ruin My credit nor XXXX, XXXX, Florida to bring lawsuit for an charge I DO NOT OWE. Thank You. 
Currently I am almost homeless due to Toxic mold in My Apt XXXX I can not live in Toxic Apt XXXX 
I am sleeping on Friend, Family sofas. Mail goes to RA. My Son collects when He has time. This time in My Life is nothing I would have ever expected as respectable & responsible Senior. 
I can not afford for My Good Credit to be ruined especially if I must, regretfully, from place I 've resided nearing to XXXX years. 
My Good Credit permitted TARGET to open Acct immediately for an almost Five hundred dollar flat screen television. Should I have to move I will require, must have Good to Excellent Credit which TARGET has determined to destroy because of not receiving {$5.00}. 
HELP! 
Respectfully,
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. 
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : XXXX XXXX XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. 

CREDITOR CONTACT INFORMATION : CKS PRIME INVESTMENTS , LLC XXXX XXXX  XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. 

I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Dispute of Unauthorized Inquiries and Request for Verification of Information Dear Sir/Madam, I am writing this letter to formally dispute the following credit inquiries on my Transunion credit report, which I believe were not authorized by me and, thus, are potentially inaccurate and not permissible under the Fair Credit Reporting Act ( FCRA ). I contacted TransUnion in writing on XX/XX/XXXX and requested that they investigate the inaccuracies and to also request that TransUnion provide me with evidence of authorization and verification of my complete file information, including my full name, address, date of birth, and Social Security Number ( SSN ). 

The inquiries I wished to dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have carefully reviewed my credit history, and I can confirm that I did not authorize or initiate any of these credit inquiries on the specified dates. As per the FCRA, I have the right to dispute any information that I believe to be inaccurate or unauthorized on my credit report. Therefore, I request TransUnion to investigate these inquiries thoroughly and provide documented proof of authorization for each inquiry from the respective creditors. 

Furthermore, I request that TransUnion verify the accuracy and completeness of my personal information on file, including my full legal name ( XXXX XXXX XXXX ), current address ( XXXX XXXX XXXX  XXXX, MI XXXX ), date of birth ( XX/XX/XXXX ), and Social Security Number ( XXXX ). 

I have received an written response from TransUnion that basically tells me to do it myself. I called TransUnion and the customer service was not helpful. They opened a dispute on some of the inquiries listed above but not all. They seem to want me to do their job for them.
Product: Credit reporting or other personal consumer reports

Once more, thank you for addressing some of the errors on my credit file. However, I believe the remaining accounts still need review to ensure they meet the Fair Credit Reporting Act standards for accuracy. I am requesting another investigation of the accounts listed below to verify their accuracy : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$9200.00} ; DEPTEDNELNET XXXX Date Opened : XX/XX/XXXX Balance Owed : {$27000.00}. If your investigation can not confirm the accuracy of these accounts, please update them accordingly. Also, please send me the details of the procedure used to verify the information to the address provided.