23daVinci/CFPB_Complaints huggingface dataset:
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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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

XXXX accordance with the Fair Credit Reporting act 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, STATE XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : 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

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXX  Account No XXXX XXXX. Late payment history 2.Last Payment XX/XX/2017 XXXX. Account Verified XX/XX/2017 I already contacted the Company on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act this account violated my rights.

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter is a follow-up to my ongoing dispute regarding unverified negative items on my credit report. Despite my repeated requests for deletion and your assurances of an investigation, I have yet to receive any verification or confirmation of the accuracy of these items. Your repeated claims that these accounts have been " verified '' remain unsubstantiated.
Product: Credit reporting, credit repair services, or other personal consumer reports

the below information should not exist on my credit report XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX NJ, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX NJ, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX NJ, XXXX XXXX ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX NJ, XXXX XXXX ID XXXX XXXX Single family XXXX XXXX XXXX XXXX CT, XXXX Address ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ, XXXX Address ID # XXXX Apartment complex
Product: Student loan

I graduated college XX/XX/2010 and my loans were through XXXX, shortly after my loans transferred and serviced with Navient. At the time, with the struggling economy, I was n't able to pay on my student loans and when I contacted Navient they pushed for forebearance ( instead of cheaper payment options ). Flash forward XXXX years later and the loan I once owed XXXX on is now XXXX! ... and these are government loans " the better ones ''. My interest rate on these loans is 6.8 % ( subsidized and unsubsidized ) ... I 'd be lucky to get that return in a retirement fund ( which is also why I have n't been saving for retirement ).
Product: Mortgage

US Bank Home Mortgage employees are not aware that when Loan is paid off Lender is required to mail Free and Clear Merchantable Title to the Borrower. 
Per my experience US Bank Home Mortgage employees do not understand that Title and Deed are 2 different things, so they all are sending me over to a Register of Deeds.I spoke with : XXXX XXXX XXXX XXXX XXXX XXXX escalation line ) on XX/XX/year> and they all are sending me to a County Register of Deeds. On XX/XX/year> I spoke with XXXX, XXXX, XXXX on escalation line and they too sending me to Register of Deeds. So I am embarrassed that they are all clueless at US Bank Home Mortgage : Today I provided XXXX from escalation line telephone number for Register of Deeds and XXXX at XXXX of Deeds told her that they only record Deeds and they don't deal with Title, however XXXX does not understand that Title and Deed are different documents. I requested that XXXX escalate my call to someone who knows what Titles is and she pretended that she did not hear me and disconnected the line since " I am not speaking '' instead of transferring me to someone who knows what Title is. 
I was educating all this named Employees of US Bank Home Mortgage that Title and Deed are different documents.

I paid off my mortgage I need US Bank provide me with my Free and Clear Merchantable Title : if they lost it they need to hire Title company to produce me a Title at their cost, because they held my Title when they lent me money to purchase the property.

Lender is provided a Title for the property when Lender borrows money to a Borrower, after Borrower pay off the Loan Lender is required to provide Title to a Borrower within 6 month.
Product: Credit reporting or other personal consumer reports

I just reviewed my credit reports and it shows inaccurate and unauthorized account. 

Please see the copy of my dispute letters that were already sent to the involved Bureaus.
Product: Mortgage

Seturus has never sent me any loan servicing documents concerning a home loan they are reporting to my credit report
Product: Debt collection

Section 604 15 u.s. code 1681 b clearly states that credit reporting agencies dont have the right to report anything on my credit report without my consent which they did also Section 605 15 U.s code 1681 C-1 States that with no consent = identity theft which is correct because no credit agencies have my consent.

Section 605 B 15 U.S. code 1681 C-2 States that if there notified about something on my report from identity theft or fraud its clearly because I did not consent to it I need these collections account removed of my credit report this is not mine I did not consent to that.
Product: Debt collection

XXXX XXXX, amount is {$4600.00}. I have disputed this account and I have no knowledge of this account.
Product: Checking or savings account

XX/XX/27 - I notified a fraudulent EFT charge for {$2000.00} on my individual checking account. I immediately contacted my bank ( Simple ) and informed them of the issue. 

While Simple credited the {$2000.00} back to our account on XXXX, we have been unable to access any funds held within both my individual and my shared checking account ( essentially a month of pay we were unable to switch our direct deposit prior to the holiday ). I have contacted the bank several times, and theyve said they are unable to allow any access to those funds, since the accounts are blocked. I was never informed that this would be the case when we first instated the blocks, and I had been able to activate temporary lifts of those blocks when our account numbers were previously stolen at the same bank. 

Our shared checking account numbers were previously stolen in XXXX, and the bank did not recommend closing down all our linked accounts at that point.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020, I contacted the XXXX number as instructed only to find out that my current account that has always been paid as agreed will not be reported to any Credit Agency because even though my Bankruptcy was dismissed prior to my loan with Santander. 

Santander has a policy not to report on those accounts however Santander will not even release to me that policy in writing. I find this very interesting. 

Santander is a sub prime type lender. I have made every effort to make my payments before or by the due date as my sincere desire is to improve my credit status and maintain it. However I while I appreciate the services that they have provided for me I do pay a high interest rate and am really working diligently to qualify for lower rates in the future. Please note that it does benefit this type of lender not to report favorably on those who are making on time as agreed or better payments. 

Thank you for reviewing this matter. 

Respectfully,
Product: Credit card

Paypal credit card is holding funds for long periods of time after payment is made. Payment of XXXX was made on XX/XX/XXXX and funds will not be released until XX/XX/XXXX because the " system '' declared it unusual. When I talked to paypal they said i should just make the minimum payment. XXXX dollar credit limit does not go far in todays world and when the card is bricked for over half a month because i payed it off like a good credit user i am being punished. They are holding XXXX of my money hostage and using it for their own gain. Last month in XXXX they did about the same thing and held money for 10 days after paying off the card once using it. To sum up paypal is holding payments and basically shutting down my card because im buying things and paying them off.
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. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXXXXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Record type XXXX XXXX bankruptcy XXXX Date filed XX/XX/2020 Date resolved XX/XX/2020 Reference number 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: Mortgage

my husband and I was approved for a loan modification on XX/XX/XXXX. we were told by our relationship manager at our bank that we did n't need to make a payment until XX/XX/XXXX. he laid out our apr monthly payment and fees. well we were reported as being late for the month of XX/XX/XXXX and is at risk of being reported late for XX/XX/XXXX. now the trial period starts in XX/XX/XXXX since the payments are n't our original loan agreement we are subjecting ourselves to being reported as being late for the next three months.so our credit score is going to really suffer. and at this pint there is no way out of this mess. unless we pay XX/XX/XXXX and XX/XX/XXXX in full by the XX/XX/XXXX. meanwhile even though we were struggling because a lost of income we were never ever late to the point that we would be reported to the credit bureaus
Product: Mortgage

I originally entered into a mortgage in XXXX and refinanced with XXXX Mortgage in XXXX. 
In XXXX XXXX agreed to pay {$320.00} XXXX dollars to settle claims of deceptive lending practices. I was not one of those whose mortgage was re-worked nor did I receive any funds from XXXX. In XXXX, XXXX brought XXXX and assumed the servicing of XXXX loans. 
In XXXX, XXXX foreclosed on the property by alleging that I owed {$88000.00} on a {$96000.00} loan. I claimed it had authority to do so under XXXX XXXX which is an open-end mortgage. The company granted only {$8000.00} toward the principal when, in fact, {$44.00}, XXXX was paid toward the refinance. 
XXXX attached a copy of the mortgage to the Complaint. The following items are missing from the document. 
1. HUD 's Case Number2. Monthly payment information, and3. Interest amount. 
Under HUD regulations, the loan was a fraudulent loan, hence, the foreclosure should be even at this point, declared a nullity.
Product: Credit reporting or other personal consumer reports

I am not aware of this account. I have reached out to XXXX credit bureaus and XXXX XXXX to have this account removed from my file and they always say the same excuse, which is no longer acceptable. I have filed an FTC complaint because I believed this is an outcome of identity Theft. Regardless of all actions done on my end, there was no action from XXXX Bureaus. Thus, I am reaching out to seek assistance to have XXXX XXXX that I have no account with them and XXXX credit bureaus can simply remove it from my credit. 


I am writing for XXXX ( XXXX ) reasons : XXXX. To dispute certain information in my credit file ; and XXXX. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( XXXX ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In late XXXX I received an e-mail invitation from Regions Bank to apply for a XXXX XXXX Credit Card which offered a {$250.00} reward if I charged at least {$1000.00} during the first 90 days. I received the card a few days later and made more than {$1000.00} in charges in the next few weeks. Today I called to see when I would see the {$250.00} show up on my account ( it shows activity on the card since I got the card in XXXX ) and was told I did not get a new credit card -- it is the same account number as an account I had in XXXX  but had not used for a long time. I applied online after I got the e-mail and got a new card shoertly after and that is the card I used. They are refusing to honor the {$250.00} clause but I have been receiving 1 % rewards and the card just started showing up on my on-line banking since I got the new card. They contend the rewards were only for new card holders and my old card disqualified me. Why did I get a new card? Why was I sent the promotion to earn the {$250.00} when I got the new card and started using it?
Product: Credit reporting

XXXX XXXX XXXX XXXX This account : 1. The Pay Status is Inaccurate, it should be Paid/Closed and XXXX Balance 2. Is missing the Payment History Data for the most of the time the account had been open a. This account was opened in XXXX, yet only XXXX of XXXX to XXXX is showing 3. Is missing the Balance History Data for the most of the time the account had been open a. This account was opened in XXXX, yet only XXXX of XXXX to XXXX is showing. 
4. Has Late Payments, when there is no Balance History to support this. 
a. Comments Say Late in XXXX and XXXX, but its flagged 3 times as late.
Product: Debt collection

An account was originally deleted on my credit report from XXXX  XXXX which is being handled by portfolio recovery services a third party collection. This account has been reinserted into my credit report and I was not notified within 5 business days of the reinsertion which is required per the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ). I am hereby requesting that this item is deleted from my credit report as the credit bureau and creditor are in direction violation of the law to refrain from taking legal action due to their blatant disregard for the law..
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX : {$33000.00} XXXX XXXX Balance : {$5800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2018, I wrote to XXXX, XXXX , & TransUnion informing them that the accounts listed on my credit report is inaccurate and incorrected. I showed proof of all the inaccurate information reporting on my file. I started with account # XXXX in the amount of {$370.00} being reported on my file. XXXX  XXXX XXXX account # XXXX I informed them of NO CONTRACT. Account # XXXX IN THE AMOUNT OF {$860.00} NO CONTRACT, XXXX ACCOUNT # XXXX Inaccurate information. And on XX/XX/2018 TransUnion & XXXX Informed me that the items were verified. Which is through a the XXXX system. I got nothing in writing stating who TransUnion & XXXX spoke with from these companies am disputing this information from nor is they licensed in my state to collect on this alleged debt they say I owe them. XXXX never responded to my letter from XX/XX/2018. So on XX/XX/2018 I wrote to XXXX XXXX/Account # XXXX asking the to validate the {$370.00} they say owed them with evidence bearing my signature, showing that I have or ever had some contractual obligation to pay them They sent me a itemized bill in return. I have not received any evidence bearing my signature from this company. But they are still reporting this inaccurate information on my credit file. I wrote to XXXX/Account # XXXX on XX/XX/2018 asking to validate the account with evidence bearing my signature. I received a letter stating XXXX is collecting on a alleged debt from XXXX XXXX XXXX. They showed no proof of any evidence bearing my signature with neither party. I would for this misleading inaccurate information be deleted off my credit file as soon as possible.
Product: Credit reporting or other personal consumer reports

I recently checked my reports and saw accounts reporting I dont r recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. An XXXX XXXX XXXX XXXX XXXX that is now closed was made in my name with my information and also a closed account with XXXX XXXXXXXX XXXX  XXXX, along with a XXXX XXXX XXXX collection which doesnt appear on my XXXXXXXX XXXX XXXX credit reports. 

The XXXX XXXX XXXX XXXX  account number is : XXXX It was opened on XX/XX/XXXX & is now closed. The account balance is {$240.00} The XXXX XXXX XXXX account number is : XXXX It was opened on XX/XX/XXXX, it is listed as an open account with a balance of {$280.00} The XXXX XXXXXXXX XXXX  XXXX account number is : XXXX This account was opened on XX/XX/XXXX It is listed as a closed account with no balance. 

These accounts was opened at a address I DO NOT LIVE AT! NEVER HAVE!
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on TransUnion Report XX/XX/XXXX and I noticed that this Inquiries had been made XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am widow. According to Minnesota Law title of the primary residence has been transferred to me as a surviving joint tenant. Lender advised that I qualified for a loan modification and offered me to go through the loan modification and assumprion processes to assume the loan. I have submitted all requested documents to the Lender. The reception of all received documentation has been review and confirmed by Relationship Manager. According to the Relationship Manager assigned to the file my income has been approved and I was advised on proposed modified monthly mortgage payment amount. Suddenly, Lender ignored the Interior Appraisal done by certified appraiser hired by the same Lender itself and instead making decision in 30-45 days period, Lender is keep asking for the same information multiple times and ignoring the fact that all documents have been submitted and made the appraisal expired. In addition to that the Relationship Manager on the file was very confused with all what is happening and keep appologizing but he was removed from the file. I still have a hope that all of the above is the accidental issue due to the Bayview Loan Servicing internal reorganization process and not staged circumstances to victimize me as widow and foreclose on my primary residence. I just received the pre foreclosure notification from the Lender for my home. I am asking to help me work with my Lender, Bayview Loan Servicing, to complete the loan modification and assumption processes and avoid a foreclosure. I doesn't feel right and still hard to believe when Lender might use the circumstances like " loosing my husband ', which is hard enough by itself, and making the process so stressful.
Product: Debt collection

Account handled by F J Hanna now turned over to new attorney - XXXX. Never received debt information from Hanna.
Product: Debt collection

several things to report. Many robo Calls to cell phone and landline with many different numbers which I looked up and it is Portfolio Recovery Associates. They have tried to sue me and I entered an intent to defend. I sent this intent to them certified letter and receipt return which I have. I did this on time and now received a letter from their attorney stating I did not enter defense or objections. So states I am in default. The letter they sent is dated XX/XX/2019. It was sent regular mail and they signed for my registered letter to defend on XX/XX/2019. Letter they sent was postage stamped XX/XX/2019 and I received it on XX/XX/2019. It states to respond in 10 days when it was received 9 days after their letter is dated. And again sent regular mail. They received my defense and required documentation to dispute and they are still calling both my cell phone and house phone. I also had a previous collection company send me communication about this debt which I requested verification for this debt with no response.
Product: Credit card

Subject : Complaint Regarding Unauthorized Withdrawals from Savings Account Dear CFPB, I am writing to file a complaint against Bank of America for automatic errors or unauthorized repeated deductions from my savings account. 

On XX/XX/XXXX, I manually repaid {$78.00}, but three days later, I strangely received two additional withdrawals, one for {$74.00}. I do not have automatic payments set up, and the balance should be {$78.00}. 

I promptly contacted Bank of America, but they insisted that I discuss this matter with the security department after XXXX. I expressed my unavailability during the holiday season and requested them to stop the second withdrawal. However, they stated that I must wait three days before contacting them again for a refund. 

This inexplicable and unsettling pattern of multiple unauthorized debits, coupled with the inconvenience of constant disturbances, is unacceptable. Such actions compromise the security of consumers and waste their valuable time. 

I request regulatory oversight on this matter. 

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

Ive reached out CFPB multiple times in regards to an inaccurate account on my report listed below : 1. XXXX XXXX Acct # XXXX This account listed above doesnt belong to me and results my info being compromised. Ive asked the company to please remove this account immediately.