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

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Mortgage

A new escrow analysis was done and returned a {$700.00} house payment increase. It was discovered that Insurance and Taxes were incorrect. When DiTech took over from Green Tree servicing ( XX/XX/XXXX ), the computer system change over some how double payed my insurance, which caused the increase. Also, when my Tax escrow was computed, Ditech did not take into account My homestead AND XXXX person ( since XX/XX/XXXX -- XX/XX/XXXX on the current property ) exemptions as well as a TAX FREEZE. 

Over several Phone calls speaking with customer service manager XXXX @ ext # XXXX, 5 attempts were made to recompute escrow. Because of Ditech error, not all insurance and processing fees were returned to my account ( approximately {$2300.00} ). 

Full documentation for county Tax computation was FAXed to Ditech but even with correct information, they insisted an approximate {$500.00} increase in payment. 

The credit reporting agencies have also been informed of 30 days late status. This is the first time being late on my house payment, and since I am in the process of applying for a car loan, the information has impacted that process as well. 

Please be aware That XXXX has been trying and not been able to get my problem resolved. She is as frustrated as I in this. She is not far enough up the chain of service managers to get to the bottom of the problem. I honestly believe she is not at fault. 

Between {$2300.00} and incorrect TAX computation, that ALL parties involved agree was originally caused by the Computer system change, I ca n't believe it should be this difficult to correct. The additional fallout of the credit reporting agency notification makes it an order of magnitude worse.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX i sent this company a notice to opt of out any and ALL authorization i may have previously given allowing them to share any of my information with any 3rd party companies. They are still reporting to the credit reporting agencies. Therefore, not honoring my request! Per 15 USC 6801- 15 USC 6805, 16 CFR 313.7, privacy act of 1974 i have rights as a consumer that i chose to exercise.
Product: Credit reporting or other personal consumer reports

I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my Equifax credit report Names XXXX XXXX XXXX and XXXX XXXXXXXX. They have the same NUMBER, they were opened on the same DATE ( XX/XX/2012 ), with the same DATE OF LAST ACTIVITY and THE DATE OF LAST PAYMENT. These duplicate accounts were not removed by Equifax after their investigation that I've requested. According to FDCPA and FCRA account must only appear once on credit report. 
I have more issues with Equifax investigation and by my legal right I will submit each of them until my credit report is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

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

I sent a letter regarding inaccurate or unknown items on my credit report. To this day over 35 days later I have not received a response yet. these accounts remain on my credit profile unverified and falsely reporting inaccurate information ultimately tarnishing my reputation. I consider this to be harassment and unjust. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ). it is plainly stated that a failure to investigate these items and supply original creditor information within 30 days gives reason to immediately remove those items from my credit report it has been over 35 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 Equifax data breach and may have got into the wrong hands,
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kickoff lending advertisement state that you pay a total of XXXX dollars monthly and they will report to your credit report as a loan payment. However, there was no loan taken out. 
I was mislead thinking it was a credit repair company. When I realized what this company was and stopped paying they are not reporting a ghost loan as late on my credit report because I have not made the XXXX dollar payment. 

This is fraud. I didnt receive a loan from this company. There is nothing to pay back. Reporting it to my credit report as a late payment is extremely misleading
Product: Mortgage

I signed a mortgage with SoFi, which closed inXX/XX/XXXX.

SoFi sold my mortgage to a different mortgage debt collector, XXXX, on XX/XX/XXXX. The quality of service of XXXX did not meet my expectations, specifically, XXXX   does not have electronic statements.

Other issues include : the online banking system is terrible, it took multiple days to enable autopay, none of my insurance information was transferred to the new mortgage provider, it does not have phone service on the weekend, and more.

I am incredibly dissatisfied, in particular the lack of electronic statements. I have complained to both SoFi and XXXX on MonXX/XX/XXXX, and received replies XX/XX/XXXX, and neither is willing to resolve the issue. This is a security risk ( my personal information is in the mail ), a service quality and convenience issue, an environmental concern, and an accessibility issue ( suppose I had low vision issues ).
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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.al inalienable rights reserved.
Product: Debt collection

Hopefully this situation can finally be rectificed. Theres an account currently owned by NAR. That has continued to be reported on my XXXX  credit report. This is not my account. i initally reached out to XXXX XXXX who advised me they purged their records and have no record of this account reporting. I was told that XXXX owns this account. THE ACCOUNT NUMBER IS XXXX {$1300.00} PLEASE REMOVE THIS ACCOUNT, IVE EMAILED THIS COMPANY AND RECEIVED NO RESPONSE, OR RESOLUTION. I HAVE ATTACHED AFFIDAVIT AND POLICE REPORT.
Product: Checking or savings account

XXXX XXXX Did Negligent work and overcharged me by XXXX times to install a new Starter. They left Bolts Loose / Untightened on the Motor Heads.

Bolts which should have ever been touched on the starter Job. 
Then they Overcharged me. Which They lowered 30 %. From over {$1000.00} down to {$700.00}. The stop payment was not honored because the bank failed to see and or correct the Number of the Check. So now little and Old me is OUT {$700.00} which the Auto Business should could and would paid for. And The Bank Becomes as guilty as the Auto Business is guilty of fraud and theft. And Price Gouging. So the bank and the business both practiced fraud against me. And because Of my Eviction the case is now Closed. That is some everyday real normal XXXX.
Product: Credit card or prepaid card

On XX/XX/2023 an account was opened in my name for {$12000.00} ( Application Fraud ). The account was with BANK OF AMERICA. The account was closed within 24 hours of being opened. The company advised during the conversation they would honor my request for a copy of the application. I was later informed, I needed to fill out FACT ACT REQUEST FORM. This was sent from a secure fax at a Police Station. I have a confirmed copy of the sent documents which contained ( 4 ) pages. On XX/XX/XXXX, I received a letter stating " we were unable to fullfill your request because we have not received your completed Identity Theft Victim Request form. It appears the Drivers License was not received. I spoke with Supervisor XXXX at Bank of America on XX/XX/XXXX. She review 3 documents that were scanned in and claimed my Driver 's License was not included. I asked to email the confirmation for 4 pages and she declined. I asked to visit a local branch to prove my identify and was declined. XXXX  promised a call back on XX/XX/XXXX, with information to the lost copy of my driver 's license. She needed to speak with " Assigned Analysis ''. Today XX/XX/XXXX, I was on hold 83 mins to speak with a supervisor. I was provided a supervisor named XXXX, who within 2 mins disconnected the call. Per the application fraud checklist, I am entitled to a copy of the application. I sent in the required documents from a secured Police Department Fax and have confirmation of the pages received. Bank of America has declined my request per FACT Act Provision 151 to supply the application that was used to obtain a credit card in my name, without my permission. Since they will not properly respond, and now have misplaced a copy of my drivers license, I am very concerned about my information. I do not know the person that opened the account in my name and wish to have a copy of this application- which is why I am reaching out for assistance regarding my request. It appears Bank of America has turned a deaf ear to my concerns regarding my identify theft, so I hope it will be taken more seriously with CFPB. 
Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Equifax was the result of their non-compliance to my request and frothier refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized.
Product: Debt collection

Original Lender : THE CASH STORE Reference Number : XXXX Balance Due : {$1500.00} Dear XXXX XXXX, Our records show that your previous account was left with an outstanding balance that is currently in the amount of {$1500.00}. 

In order to prevent further collection activity on this account, you must remit payment immediately. You can contact our offices today to negotiate a settlement amount to resolve your past due account. This requires your prompt attention ; continued disregard of this matter is not advised. 

Due to a contractual obligation you signed with the financial institution you were obligated to leave any accounts with the financial institution at a zero balance, in order to not become a candidate for XXXX XXXX. A XXXX XXXX submission can impact your ability to open any new bank account or have debit card privileges. 

If you have any questions, or would like additional information regarding your delinquent account, please contact our offices immediately. 

This is an attempt to collect a debt. Any information obtained will be used for that purpose. This communication was sent by a debt collector from a professional debt collection agency. 

Sincerely, XXXX XXXX Account Representative XXXX XXXX # XXXX
Product: Credit card

I had a credit card with Bank of America that was set up for auto payment through BoA. They did n't deduct payments from my account for three months and did n't contact me by phone, email or postal about any problems. When I went to check on my account I saw it was overdue and I paid it ( I had n't used to the card, I was being charged late fees ). After I paid, they closed my account and all of my information about my account was gone. When I spoke with them on the phone, they did n't have an explanation about why my payments were n't made or why I had n't been contacted. I asked them to at least take off the delinquent payments from my credit report since they were responsible for the mixup. I have since gotten a letter stating that they wo n't do that, though they did send me printed info about my account ( though not why my auto payments were n't made ). My credit score has fallen about XXXX points because of this, and I ca n't get an acceptable explanation either by phone or mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didnt authorize these car dealerships to put all these hard inquires on my credit report! The hard inquires are as listed. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Someone called from ( XXXX ) XXXX and did not leave a message. I called them back and asked who was calling and what they were calling about. Call taker immediately had an attitude and refused to answer my question. I told them in that case they need to remove my number from their list. The call taker said I dont have any of your information and I said I will give you my number and you can take it off your list. To which the call taker responded with thats not how this works. She refused to remove my number after a clear verbal request and upon the information needed to fulfill the request being offered. I called a second time and spoke to a separate agent who gave out a full first and last name to me without any verification and I asked to be removed from their call list via phone number only and that I know I my rights granted by the federal government to make that reques, and have it honored. The second call taker did say she would remove my number this time without collecting any information from me except my phone number. This proves that it is IN FACT how this works. Call taker continued to talk about consequences and tried to manipulate me into giving up any other information. I disconnected the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  illegally sold my information as debt when it is not debt and there is no money owed because my account is still open and active and still in use
Product: Mortgage

hello my name is XXXX XXXX ive had mortgage transferred thru different lenders and have done several loan modifications still owe almost as much as i did when i purchased home in 2003 las t modification was extended another 8yrs with higher rate and rates were lower than they had ever been during covid so i had 22yrs they ext to XXXX for XXXX in late pymts no one at that company can explain how they came up with that math this loan was bad from the start was promised a lower rate at closing than i actually got need this explained to to because it doesnt add up
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , inc ) Due to inadequate customer service and unfair practices, which violated the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

Without notice, justification, cause, or documentation despite requests USAA has removed my online access to my auto loan. I am unable to view or pay my loan as everything is done online and I am no longer able to access my account. I was told I should regain access, then told I would not be given access to my account online. This is a problem, as I have not received paper statements for a while.Thus I do not know where or when I send in my payment. I am unable to view payment history, or anything to do with the account. I have not so much as received a single phone call regarding my auto loan from USAA. I have called to inquire about this and have just been told someone would be in touch. It 's well over a month now that I Have not had access.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for an account with Experian on XX/XX/2020. When I signed up for the membership, there was no indication during the process of sign-up that I would be charged for a monthly fee of {$19.00}. I didn't know until XX/XX/2020 that I was charged three times for {$19.00} each month. When I inquired them about these transactions, they told me that there was a monthly fee of {$19.00} after the first month free trial. They are saying that I can find the term that I would be charged for this amount in their Terms & Conditions, but it's hard for users to read every single clause on the Terms & Conditions and their website is very misleading as it advertises that it is " completely free and easy '' and there is no indication whatsoever that there will be a monthly charge incurred for the membership fee. I am sure many other users are unaware that they are being charged for this amount. I only found out after coincidentally noticing one of the transactions on my bank statement. Please address this issue as they are deliberately concealing the information on their fee to have people use their service. What is worse is that they are stating that they can't remove my information due to their internal retention policy when I demanded that all my confidential information uploaded to their system be erased. This is a completely deceptive advertising method and it takes your private information for good.
Product: Credit card or prepaid card

I opened a new Best Buy  Citi Visa Card o n  XXXX   XXXX ,   XXXX   for the purchase of a new computer with 0 % interest for 12 months  ( deferred interest charges ).  I received my statement through the mail on  XXXX   XXXX ,   XXXX  . Upon opening the statement it states the first payment was due on  XXXX   XXXX ,   XXXX  . Upon calling the customer support line at  XXXX , I was informed that the billing cycle for my card ended on  XXXX   XXXX ,   XXXX   two business days after the account was opened. Being I did not receive the billing statement until  XXXX   XXXX ,   XXXX   I will now have interest charged to my account. I will be returning the item purchased and closing the card.     I would like a record of this deceptive practice being done this company, by luring customers into deferred interest products and trapping them into deflating on the terms.
Product: Checking or savings account

Hello, I opened my checking account with US bank on XX/XX/2022 at XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX with XXXX XXXX. 
Since that day I been having trouble to access to the online banking, I already have my user ID and Password but the system doesnt allow me to access. 
I sent several emails to XXXX, and on the last email I was requested to go to te branch, situation that is impossible because Im in Florida right now until next year, there are no branches here.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I reviewed my credit report to prepare to buy a home in XX/XX/XXXX for my growing family now that my wife is XXXX  with our XXXX  child. I became aware that my identity was stolen and used to open various fraud accounts so I sent certified letters to each credit bureau to dispute and delete the fraudulent accounts. Tracking confirmations were received and I gave the bureaus more than enough time to review and delete the items. I have paid a monthly membership cost of {$29.00} to XXXX  for months and another {$24.00} to Transunion and XXXX  for months now keeping my credit reports frozen and locked. I have now spent a total of {$300.00} in mailing in my letters to each bureau and it is now XX/XX/XXXX. I have never gotten a response from the credit bureaus and it has been well over 30 business days since they received my items on XX/XX/XXXX. Tracking : XXXX Transunion, XXXX : XXXX XXXX  and Tracking : XXXX  XXXX. I just reviewed my credit reports again and there are no changes in my file and now I have to wait longer before buying our home next month due to my rights being violated as a consumer with the FCRA. This is not right and I am now filing a complaint with the CFPB to expedite this matter and have these fraudulent items deleted immediately from each credit bureau. Thank you for your help so I can provide for my family as my wife is now due XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.
Product: Debt collection

I've included all companies involved. XXXX, Equifax and XXXX  including all creditors. 
Fraudulent Items within my credit report : XXXX XXXX Account # XXXX for {$110.00} XXXX XXXX Account # XXXX for {$94.00} XXXX XXXX- Account # XXXX for {$65.00} XXXX XXXX- Account # XXXX for {$82.00} XXXX XXXX Account # XXXX for {$160.00} XXXX XXXX- Account # XXXX for {$220.00} XXXX XXXX Account # XXXX {$1600.00} XXXX XXXX XXXX Account XXXX XXXX {$470.00}