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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. These agencies have failed to do so. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which 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. Discover Bank and XXXX XXXX  are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Discover Bank, XXXX XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( 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. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Discover Bank and XXXX XXXX  are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attended XXXX XXXX for nothing school doesnt exsist anymore and i have no dregree these loans failed " Navient '' they being sued and this needs to be off my credit report Navient needs to remove this asap NAVIENT
Product: Mortgage

This business does not communicate in a timely or effective manner regarding applications for home mortgages, or refinancing, which forced costumer to complaint and request information regarding the status of her loan application in an open Costumer Service comment box. To which the Loan Originator reacted in a rather unprofessional matter, costumer had to ask XXXX XXXX ( loan Originator At citizens One ) to lower his voice and to please transfer the loan application to another Loan Originator. Customer also requested to speak with a manager ( XXXX XXXX ) and made the same request. 
The Customer request were ignored and the lack of communication regarding the loan application continued. Customer made another post on the general Citizens Bank complaint box and immediately received a very animated call from XXXX XXXX telling the customer that she has been denied. 

This customer has documented all the attempts to try to get her loan application transferred to another loan originator given the lack of professionalism of XXXX XXXX, this customer discussed this transfer with XXXX XXXX who is the local Citizens Bank Loan specialist at the branch where this customer does her banking, XXXX XXXX seemed eager to help the customer get the loan application transfer to her until she contacted the Loan XXXX, XXXX XXXX. XXXX talking to XXXX XXXX, XXXX XXXX called customer to report that XXXX XXXX told her that the loan application could not be transfer, costumer has a voice message with this information. Now customer is extremely concern given thath all her sensitive financial information is with individual that have kept her in the dark about her loan application process, have disrespected her as a customer by yelling over the phone for having asked about her loan status, have been lied to not only by the loan originator but also by a manager. 

This customer is kindly requesting the neutral review of her loan application by an external agency as well as a the refund of the funds paid towards the home appraisal. I can not express enough how unprofessional and stressful this experience with Citizens One has been. Not to mention that my XXXX Credit score may be impacted by having this inquiry done, that can not be repaid.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Consumer Reporting Agencies are continuing to report inaccurate and incomplete information on my Consumer report. The CRA have failed to verify that these accounts are 100 % completely accurate. 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 XXXXXXXX 15 USC 1681 ( i ) ( 5 ) ( a ) Accuracy and fairness of credit reporting.

15 USC 1666b-Timing of payments 15 USC 1637 ( b ) STATEMENT REQUIRED with EACH BILLING CYCLE
Product: Credit reporting

I was married and we had a joint mortgage through XXXX XXXX XXXX XXXX in XXXX XXXX, TX. I got divorced in XXXX 2013 and the house was refinanced by my ex husband IN HIS NAME ONLY in XXXX or XXXX of this year. I 've tired for 3 months to get the remaining balance of {$140000.00} OFF my credit report and the credit agencies keep telling me it is my responsibility even though the credit union shows no record of me on the account.
Product: Mortgage

As I was preparing to file my XXXX taxes with my accountant ( cc 'd on this email ), it was brought to my attention that Specialized Loan Services, LLC ( SLS ), a subsidiary of XXXX, failed to pay my property taxes to XXXX XXXX in XXXX ( the property is in two counties, XXXX and XXXX ), despite me paying into escrow for this every month. The money for the XXXX property taxes is currently being held by SLS in escrow. 

My property is in two different counties ( XXXX and XXXX ) and SLS states that they somehow made an error at closing where XXXX county was missed. Thus, SLS only paid the property taxes in XXXX and not XXXX in XXXX. This loan was assigned to SLS in XXXX, XXXX. 

Total Tax Due in XXXX ( prior to penalties and interest ) : {$3300.00} SLS has instructed me not to pay the taxes directly to XXXX County ; however, I have now placed over six calls to both SLS and XXXX without any resolution or forward movement on the issue. 

SLS refuses to give me any transparency into their process nor will they issue me a case number or provide me with an email address where I can at least have proof of our communications. 

The property bill is now over 3 months overdue and continues to accrue interest and penalties, which under VA law, SLS is responsible for as an escrow account was established and the funds are already being held in escrow for the taxes. 

My request is that someone in upper management gets on the phone with XXXX County and myself and resolves the issue, pays the taxes and the fines. This process has been ridiculous and is so frustrating. I did not have the ability to consent to the loan assignment or the horrendous service I have received from SLS as a result thereof. 

Further, XXXX notified me that the loan is being assigned to XXXX on XX/XX/XXXX ; however, I have been told that the " investigation '' to get the taxes paid could take until XX/XX/XXXX. This is unacceptable and must be resolved prior to loan assignment or as stated above, I will be pursuing legal action against SLS and XXXX. 

Here is the timeline of events : XX/XX/XXXX : First communication with SLS XX/XX/XXXX : 2nd communication with SLS, tax bill uploaded to the website provided by SLS XX/XX/XXXX : XXXX XXXX XXXX Complaint filed, still no response XX/XX/XXXX : 3rd communication with SLS, no record of tax bill receipt, SLS confirmed taxes with the wrong county XX/XX/XXXX : 4th communication with SLS, still no record of tax bill and once again SLS confirmed taxes with the wrong county XX/XX/XXXX : Tagged XXXX in a post on your XXXX page trying to notify someone of the issue XX/XX/XXXX : Call with XXXX, where a prompt resolution was promised XX/XX/XXXX : Call with SLS, was told it would be resolved by XX/XX/XXXX, which as noted, in light of the delinquency which began XX/XX/XXXX and the pending loan assignment on XX/XX/XXXX to XXXX is absolutely unacceptable. Per this XX/XX/XXXX call, the wrong county was AGAIN verified.
Product: Vehicle loan or lease

This is now the 2nd month in a row that GM has not cashed my payment on time. I mailed my payment 2 weeks early - knowing that this company is just awful at cashing checks in time. They are trying to force people to pay online.This is my 3rd complaint, now they are just being spiteful.
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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX has violated my rights. Or a 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: Money transfer, virtual currency, or money service

Background : On XX/XX/XXXX, inquired about a short term rental in XXXX XXXX from XX/XX/2022 - XX/XX/XXXX XXXX 'realtor ' who called himself, XXXX XXXX, emailed me back immediately with a very detailed overview of the property and the terms ( I can forward you that email if that is helpful! ). He then reached out to me via text message and provided me with information about the apartment and encouraged me to reserve the apartment soon, because it is a popular listing. Once I was ready to reserve the apartment, he sent over an informal " Rental Agreement '' that I signed and sent back to him, and then paid him the deposit over Zelle and XXXX so that I could lock down the rental unit. XXXX told me that I could cancel at any time and get a full refund, so I figured, why not reserve the unit. I ended up needing to cancel the reservation. XXXX confirmed that the payment would come soon, and eventually stopped responding altogether. I called the XXXX XXXX that he was impersonating, and he informed me that there was no unit at that location and that it was a scam. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Breakdown of the deposit : Rent was listed as {$1500.00} per month, but ended up agreeing to {$1500.00}. Total deposit was {$1500.00} ( one month rent ) + {$1000.00} + {$250.00} cleaning fee = {$2700.00} Zelle only lets you transfer a total of {$2500.00} per week, so I paid him in two {$1000.00} installments over Zelle, and {$750.00} over XXXX, to total {$2700.00} deposit. 
Zelle Payment ( {$2000.00} ) was sent to " XXXX XXXX '' at XXXX XXXX Payment ( {$750.00} ) was sent to XXXX XXXX  Contact Info : Email Address : XXXX Cell Phone Number : XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021 I have submitted over 3 disputes with XXXXXXXX & Santander Consumer, USA for an account that has been reporting on my credit after it was included in a settlement for Predatory Practices. On each dispute, I provided supporting documentation and they still refuse to remove it and only stamp it correct/verified by only updating the status, in any of these disputes I never received not on correspondence from the companies listed in this complaint. Per the FCR/FDCPA a notice of dispute is to be placed on any account disputed within 31 days XXXX & Santander Consumer , USA violated these Federal Laws. Not only are they failing to respond to my dispute, but they have also failed to record this account as being disputed and it has been over 60 days. That in itself is grounds for removal but I also have included all of the documentation showing this specific account met all requirements as a result of the settlement reached due to Santander 's negligence in practicing. I am requesting the immediate removal of this account due to the violations stated above.
Product: Credit reporting or other personal consumer reports

I went into XXXX XXXX XXXX on XX/XX/XXXX. I already had a pre-approval from XXXX XXXX. My mom and I told the staff and the salesperson that I didn't want my credit run a lot of times through their system. I just needed the application to be submitted to XXXX XXXX only. They had system issues for days but I still stood on what I stated. I didn't need it to run to multiple lenders. I had already talked to XXXX XXXX and I was going to be approved with them. Weeks later, I started receiving company denial letters, some of which I had never heard. I then checked my report, and there were about 11 on Transunion and some on XXXX that I know of so far. I spoke with several people, and one person apologized and said they was just trying to get the sale. That's unacceptable because I already had a pre-approval for this very reason. I didn't want my credit to run several times and add all of these inquiries. My mother spoke with a person from XXXX XXXX XXXX on XX/XX/year>, phone number XXXX, XXXX and he stated that it was pending with XXXX XXXX so that's why it was ran to other companies. She told him that they should've waited, because it was going to get approved through XXXX XXXX. They just wanted to get a sale and didn't care about what I said.
Product: Debt collection

Since XX/XX/year>, Wakefield and Associates, a debt collection agency based in XXXX, TN, has been contacting me persistently. I have not been provided any written notification regarding any alleged debt or my right to dispute it. I have USPS Informed Delivery and do not have a record of receiving any incoming mail from Wakefield and Associates or XXXX, TN. Instead, Wakefield and Associates have repeatedly called me, which I perceive as an attempt to annoy, abuse, and harass me, thus violating the Fair Debt Collection Practices Act ( FDCPA ). According to my call log, I received calls from Wakefield and Associates on XX/XX/year>, XX/XX/year>, and XX/XX/year>. I have attached a copy of the call log for reference. On XX/XX/year>, I lodged a complaint with the Federal Communications Commission concerning abusive VOIP calls I have been receiving since XX/XX/year>, through the VOIP provider XXXX. These calls are deliberately concealing the identity of the caller ( s ). The frequency and intensity of these calls are escalating daily. Based on the aggressive nature of the calls, I suspect that the VOIP calls are originating from Wakefield and Associates. I have also attached a copy of the call log for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Equifax : I was lucky to get a copy of my XXXX XXXX and XXXX credit reports through a mail request. Equifax has never mailed out to me a credit report. I am respectfully requesting my Equifax credit report, even if I need to pay for one. 

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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the account in question. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account in question. The unverified account listed remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$3500.00} XXXX  XXXX Balance : {$27000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Been trying to get Experian to delete these alleged accounts and inquiries. Experian did not do anything but denying. Sent them proofs that other credit bureaus had complied with my request.- XXXX #XXXX- XXXX/XXXX #XXXX- XXXX/XXXX #Inquiries: - XXXX XXXX- XXXX- XXXX XXXX XXXX
Product: Checking or savings account

In XXXX of XXXX I received an overdrawn statement from my bank. I acknowledged that my account was overdrawn by {$29.00} for LIFE insurance. There's one other charge for XXXX XXXX at {$150.00}. At the bottom of the letter stating the account was overdrawn it states " If the account isn't brought to a positive balance within 45 days the account is subject to closure and reporting to XXXX. '' This statement was dated XX/XX/2021 for the LIFE insurance. 

I was told by the representative when I reached out on the XXXX to pay, I explained the hardship I was experiencing with COVID and losing my job. I said I wanted to bring the account current. She informed me the account was closed as of XX/XX/2021. 

As you can see, that IS NOT 45 days. This was the only contact I had with Golden 1 was through email and the phone call. I asked the representative " How can I take care of the bill while my account was closed. '' she replied " I don't know. There's nothing you can do. '' Later, I find that the company sent my bill to collections. I was calling that day to take care of the bill. I never got a run down of how my bill turned into over {$300.00}. I wanted more information on the fees I was to pay and never got a response. I am not disputing that the account was overdrawn. I AM DISPUTING THE 45 DAYS the company says they will give to bring the account into positive standing AND THE REPRESENTATIVE NOT GIVING ADEQUATE AND ACCURATE INFORMATION ON HOW TO PROPERLY RESOLVE OUTSTANDING BALANCES AFTER ACCOUNT CLOSURE. The account was not 45 days out and I have no other proof of Golden 1 attempting to reach me. 

I emailed the billing department and explained my hardship. I had been with this union for years, while I was waiting on a response from them ( Which they never responded to! ) they sent my account to collections without ever replying to me explaining what the next steps were or procedures after account closure. They never explained what the fees were on how the amount got up and over {$300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

A request was sent to credit bureaus to investigate and provide WRITTEN proof of two Fraudulant information on my credit report, Employment at XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX were bothe fraud on my account. 

No written proof or document was provided within the 30 days as requested to support these errors, the address was deleted but fraudulent account attatched were not deleted. 

By law use 1681B which support permissible purpose, no consent and identity theft was all violated by. 
XXXX # XXXX XXXX XXXX  XXXX # XXXX XXXX  XXXX, These accounts are linked to the fraudulant address and must also be removed, by law.
Product: Debt collection

I was charged {$450.00} by XXXX XXXX. This account has been paid off. I contacted XXXX XXXX  4 to 5 times to send me a description of the debt in writing and they have failed to do so. This is still on my XXXX credit report and I would like it removed.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX