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

Documentation was sent to XXXX XXXX XXXX with the following verbiage : Per the FCRA as a

federally protected consumer, I am now opting out of any and all authorizations I, the consumer may have given you, written, unwritten, verbal and non-verbal per 15 USC 6802. 15 USC 6802 Obligation with Respect to Disclose Non Public Information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option I was never given the option to opt out, a form nor the process to opt out hence the reason I created and sent my own. ( 15 USC 1611 ) Criminal Liability for Willfully and knowing violations ( 15 USC PRIVACY ACT OF 1974 ) ( 15 USC 1681 ) Accuracy and Fairness of Credit Reporting It is ILLEGAL to report TRANSACTION HISTORY ( 15 USC 6801 ) PRIVACY AND OBLIGATION POLICY 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. ( 15 USC 6805 ) The enforcement, prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX inquiries show on my credit report. None of tnese were started by me
Product: Debt or credit management

XX/XX/2024 Subject : CFPB to take off negative score. 
To : Credit Union XXXX XXXX XXXX XXXX Early Warning Services Per the FCRA, as a federally protected consumer, I am now opting out of any or all authorization I the consumer may have given you written, unwritten, verbal, or non-verbal per 15 USC 6802. Thank you.
Product: Credit reporting or other personal consumer reports

Request proof of submission for a loan or credit account. This was not provided by either company or credit reporting agency. this is because it was part of a Identity theft breach. 
I provided information proving the Identity theft. The CBNA inquiries need to be removed from my credit report. All of them. No one tries the same company and application this close apart after being denied except if its identity fraud. 

XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 3 disputes about a student one that was closed because I am XXXX. All the other ones are closed. The loan was opened in XX/XX/XXXX and closes 6 years ago. XX/XX/XXXX it went to collects for none payment. Before that date it was closed. I have sent them the info for my deferment
Product: Debt collection

I owed XXXX debts to Portfolio Recovery Associates INC. In my attempts to clear my credit to get a mortgage, I settled those accounts. However, those accounts were still being reported on my credit report as the difference between the original amounts and the settlement amounts that I paid. I contacted Portfolio Recovery Associates by phone and they said they would rectify the situation, but at least one account is still showing as of XX/XX/2017. I disputed the account and the dispute was denied. After the dispute, Portfolio Recovery Associates sent me a letter explaining why the dispute was denied and included the original proof of the debt. I am not disputing the original debt. The debt has been settled and I have a letter from them stating that, so it should not be on my credit report.
Product: Debt collection

Violation of XXXX on XX/XX/23 and XX/XX/23, incoming calls from Midland Credit at XXXX and XXXX. Company has confirmed my phone number was on file and associated to an unknown XXXX party through previous conplaint however said the calls were not made despite my phone number on file and attached screenshots with the merchant name and phone number. Refused to disclose business name, refused to answer return call. 

Image attached includes call record of MIDLAND CREDIT at phone # XXXX with call times and dates as previously listed.
Product: Checking or savings account

My case with TD Bank is same as the XXXX  XXXX XXXX case where the CFPB stated : " The banks disclosures did not clearly explain that multiple fees could result from the same transaction. Additionally, customers had no ability to know when or if a merchant would resubmit a transaction to the bank for payment and therefore could not reasonably avoid the assessment of multiple fees for the same transaction '' I was charged multiple overdraft fees for same transaction, causing account balance to fall too low and then got charged a maintenance fee by the bank : XX/XX/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 card or prepaid card

Capitol One reported me late 1 30 day late which I was and I was over my limit by XXXX I received a settlement in the spring of 2019 and paid in in full. Then later it was stolen about a week later I called them and they did block it and never sent me another said they could not verify me so not only did they not send me another card and report me XXXX 30 day late I never got the opportunity to correct this due to they close my account because of not activity in a year well I can't use the card if you don't send a new then also the whole argument was they wanted to send a copy of my ss card I was not willing to do that and the social security office informed me that it is illegal to use this as a form of identification I offered to walk into one of the Capitol one banks in XXXX XXXX they told me no. I have also be getting emails from them that I am pre-qualified but I am constantly denied to have a card with them because they have some kind of block on my acct for fraud so I am never issued a card this card was issued right after my bankruptcy and I paid it off I don't who is committing fraud by paying off someone else credit card please delete entry with ALL credit bureaus and correct my file with your company and if you really do not want me to have a card then please stop sending me pre applications.Its seems as I am being punished because I paid it off and did not have any more lates closing my acct has affected my credit as you closing accts you loose point. please correct rapid rescore me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Experian Credit Reports : XXXX XXXX Balance : {$7300.00} XXXX XXXX Balance : {$3600.00} XXXX  XXXX XXXX Balance : {$7300.00} XXXX XXXX XXXX Balance : {$860.00}
Product: Mortgage

I have noticed a large number of Misapplication Reversal entries on my mortgage records resulting in my principal balance increasing {$1100.00}.

I contacted Roundpoint several times to provide a full accounting and written explanation of why the Misapplication Reversal entries were made, where did the funds go, and why did the principal balance increase after the adjustment.

To date I have received no response. I am concerned, due to researching similar complaints, that Roundpoint Mortgage is mishandeling Escrow funds and/or mortgage P & I funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX and this complaint to Experian was the result of their non-compliance to my request and for their 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. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

XXXXXXXX XXXX XXXX XXXXXXXX Balance {$23000.00} XXXX XXXXXXXX XXXX XXXX Balance {$1900.00} XXXX XXXXXXXX XXXX XXXX Balance {$1400.00} XXXX XXXXXXXX XXXX Balance {$170.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

No matter what you complain about these agencies are by by opinion of multiple truths and experience frauds, incompetent. Balance XXXX XXXX incorrect on autoloan paid XX/XX/XXXX still not updated. Negative commentary still not updated and wrong. One can go on but being held hostage and financially kidnapped while the so called PROTECTORS do squat isdemeaning, insulting and frankly PURE EVIL! Yes and negatives always posted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

The account below is not my account. I have disputed this account numerous amounts of times yet still nothing so I called and was treated very rudely by the representative cutting me off every time I tried to talk and would not listen to a word I had to say. This is around the tenth account I have had to remove from my credit and am feeling like I just need a different SSN. 

Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2015 Account type Collection Department / Agency / Attorney Balance Loan Amount {$690.00} {$690.00} Payment Info Original loan amount {$690.00} Balance {$690.00} Updated on XX/XX/2015 Contact XXXX XXXX XXXX XXXX, TNXXXX ( XXXX ) XXXX
Product: Debt collection

The company XXXX has been paid in full for an old credit card debt and now the company is trying to collect on the debt a XXXX time by hiring a different  agency to collect on the debt.   I have my court documents showing the judgement was dismissed due to payment in full.  I also have my letter from the first company hired that states the debt was paid in XX/XX/2014. After pulling my credit report, I discovered XXXX has now hired Cavalry Portfolio Services to collect on the same debt and reported false information to the credit bureaus indicating I have not paid the debt. I have to add that the firm I paid did notify XXXX months ago about the debt being paid in full,  but yet XXXX hired another company to collect on the debt a XXXX time.  This if fraudulent and goes against the Fair Debt Collection Act.
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. Account name : XXXX XXXX, Account # XXXX has violated my rights. On XX/XX/year> I received a notification from EXPERIAN regarding my credit report I noticed this report is inaccurate and incomplete which violates this law 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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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. and according to 15 USC 1681s-2 they are suppose 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 inaccurate. 15 U.S.C. 1681B ( 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 XXXX 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: Mortgage

I was served Execution for Ejectment papers on about XX/XX/XXXX, the papers stated that the authorities would be at my house to move my belongings out on XX/XX/XXXX. I went to the Courthouse and filed for a motion to stay. At that time, the judge granted me the stay, after I explained I had applied for a mortgage modification. The judge then asked the attorney representing PHH Mortgage Services, roughly how long does it take to get a decision on the modification, the attorney said 15 to 45 days. It was at that point she granted my stay until XX/XX/XXXX. Since that time I have been going back and fourth between the attorney and the mortgage company trying to get a rescission on the completed foreclosure. PHH wont review the modification application, because it states that the foreclosure is completed.

When I ask PHH to consider doing a rescission, I was told that I would have to contact the attorney for that to be considered. When I finally got in touch with attorney asked them to consider doing it, they said they would have to get those instructions from PHH.
Product: Student loan

In XXXX, when the XXXX XXXX XXXX XXXX program started, I called Great Lakes and asked if my loan consolidation qualified for this program. I explained that i was employed in XXXX XXXX since XXXX and wanted to be sure I was eligible for this forgiveness program in 10 years when I could apply for it. I was assured that I was definitely qualified that all I needed to do to qualify was to have a consolidation, which they informed me that I had the consolidation done in XXXX and that I would be fine and able to qualify for the forgiveness. At some point XXXX acquired my student loans. This year in XXXX, I applied for the public service student loan forgiveness as I made my payments on time every month for the past ten years and remained in full time public service. I promptly received a letter telling me that my loan consolidation did not qualify for this public service forgiveness. I am thoroughly enraged about this and believe I was misinformed by Great Lakes about the type of consolidation and eligibility for the public service forgiveness. Now, I have another five years to pay on this loan or more to have it paid off.
Product: Credit card

In XXXX of 2023 I was surpirsed to find that I had been a victim of identiy theft, I found that there was a Discover credit card in the approximate amount of {$2000.00} showing on my credit report, I have NEVER applied for such a card nor have I used it to make any purchases. I filed a police report and FTC report, I have contacted Discover and all the credit reporting agencies with no action from them in over a year.
Product: Money transfer, virtual currency, or money service

In XXXX had {$100.00} usd taken from my account without knowledge or consent by Cash App to fix an error that they created on their end from a transaction that I had already paid. They claim technical error but they never notified me, said my balance was negative ect. They waited until money was added and swiped it saying they were taking it for a transaction I had paid in XXXX. I have spent weeks asking them to fix it and they refuse.
Product: Credit card or prepaid card

I recently purchase a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX in the amount of {$68.00} on XX/XX/2020 through XXXX from Ace Prospect International Limited with my credit card from Capital One. I contacted Capital One on XX/XX/2020 to file a dispute with the company. The company sent a via ups Tracking XXXX. 
On XX/XX/2020 at XXXX XXXX  I contacted XXXX  customer service ( XXXX ) stated that the item was delivered at XXXX XXXX XXXX XXXX XXXX, IL XXXX and purchase from XXXX. My purchase was made through XXXX which have my correct address listed as XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX. Neither I nor anyone authorized by me has signed for or received the merchandise. 
contacted customer Capital One service and I was getting the run around on the phone for about 42 minutes the last person I spoke was XXXX from fraud that kept me on hold after asking her to speak to a supervisor
Product: Debt collection

I was a member of the XXXX XXXX XXXX XXXX at XXXX starting in XX/XX/2017 but when I began suffering chronic XXXX XXXX from the XXXX XXXX diagnosed after my enrollment I contacted XXXX XXXX in person requesting refund for the unused 11 1-Hr PT Sessions for {$740.00} explaining that the PT is not suitable for me. I followed-up in person and by email on the refund request writing to the Membership Manager, the PT Manager ( XXXX XXXX ) and the General Manager ( XXXX XXXX ) several times over the next few week weeks. But to no avail at which point I requested my bank to process the refund for services not used by me. As a retaliation I was sent a letter from a Collection Agency on behalf of XXXX XXXX XXXX XXXX at XXXX claiming that I owe {$1600.00} which I paid in advance & in full. There is no contract that stipulates they will not refund for unused sessions especially for health reasons which is all I wanted. 

XXXX XXXX XXXX XXXX at XXXX is a unit of XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX Telephone : XXXX
Product: Payday loan, title loan, or personal loan

This line of credit is attached to my home as a Home Equity Line of Credit. In XXXX TCF Bank requested proof of flood insurance and homeowners insurance. I sent them the proof on 2 separate occasions along with my insurance agent for a total of 4 times. Each employee stated they received the proof and would make the necessary adjustments however the bank continued to add their own policy and increased my payment for XXXX. I made my regular payment for XXXX however the bank continued to claim i had a past due amount for the flood insurance and they assessed a late fee and reported me to the credit bureaus. I also leased a new vehicle and due to this mistake by TCF and the negative report my payment is significantly higher.
Product: Credit card or prepaid card

I have an XXXX XXXX  card. I did a XXXX dollar balance transfer on the card. I have also used the card for purchases. Each month, I have paid the card down below XXXX taking care of the charges made as well as a little extra. I should not have been charged any interest on XXXX due to that balance transfer and by paying my purchases in full by the due date. Bank of America just informed me that when you have a promotion on the account, you lose your grace period on the purchases. You do not have till the due date to pay those purchases off. They start accruing the day they are made. This is deceptive and though they say its disclosed, it is not understandable to a reasonable customer. There should be buckets. The balance transfer sit and gets paid ast as the highest interest item should be paid. Then purchases, if a balance is left after the due date, should be charged. Not if its paid by the due date. They would not refund my interest charged. Id like someone to look into this so that they can be sanctioned by this deceitful practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Experian and TransUnion to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX : {$33000.00}.
Product: Mortgage

RightPath Servicing has claimed to have obtained insurance on my property, policy coverage from XX/XX/XXXX to XX/XX/XXXX. I have NEVER received proof of this insurance policy, of which RightPath Servicing is claiming I am responsible for paying. 
RightPath Servicing had claimed, in their first letter regarding my insurance coverage on the property, that I did NOT HAVE insurance, or they had not received proof of insurance. There was no initial mention of the type of insurance coverage they were insinuating my property did not have. The previous servicer had in their possession, proof of insurance that they should have ( probably did provide ) provided to RightPath Servicing. After months of back and forth over this issue and me sending proof of my current policy, RightPath claimed wall in insurance, which is a slang term, was not listed in my master policy. I asked them to explain walls in insurance as I had never heard of that type of insurance. At NO TIME, until just recently, did RightPath Servicing state XXXX  insurance is what they were requiring. RightPath Servicing engaged in deceptive practice of clouding the issue in order to prevent me from obtaining this fairly inexpensive XXXX insurance. RightPath Servicing is charging an OUTRAGEOUS amount of money for a policy they claim has been purchased but has never provided any proof of its existence. 
In a response letter to my complaint, dated XX/XX/XXXX, RightPath Servicing uses the term XXXX as the insurance coverage they claim to have obtained on my behalf. RightPath Servicing claims to have purchased this insurance as of XX/XX/XXXX and is expecting me to pay for said insurance from that date. Correspondence through the CFPB will clearly show deceptive behavior by RightPath Servicing if their claim is true, that they have purchased insurance on my behalf as far back as XX/XX/XXXX.