23daVinci/CFPB_Complaints huggingface dataset:
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 U.S.C 1681. XXXX Account # XXXX XXXX. XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX Account # XXXX XXXXDEPT OF EDUCATION/XXXX  Account # XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX15 U.S.C 1681 Section 602 A states that 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 an 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

In accordance with the Fair Credit Reporting act XXXX ) XXXX XXXX XXXX ACCOUNT # XXXX XXXX ) XXXX XXXX XXXX ACCOUNT # XXXX XXXX ) XXXX XXXX XXXX XXXX ACCOUNTS XXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the rights to privacy. 
15 U.S.C 1684 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 1666B : A creditor may not treat a payment in a credit card account under an open end consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

THIS IS NEW INFORMATION REGARDING XXXX AND XXXX Account # XXXX I have have summitted the Cease and Desist letter recently as they have just received/signed it on XXXX so XXXX can not say I sent the same information before. I am waiting for the letter XXXX claim they sent on XX/XX/14 which I requested to cease all communication as well the Debt validation including the audit trail.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items off my credit report : XXXX : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Experian : XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit card

I purchased tickets for an event at The XXXX XXXX, under the belief that I had done so through The XXXX XXXX website. The next day after discovering the charges were approximately three times that charged by The XXXX XXXX itself, I called the Company to cancel. Their answer was that " all sales were final. '' At that time, I disputed the charge with Chase. After their first review, they denied my dispute. Later after the date for The XXXX XXXX event had taken place and I received no tickets from the merchant for the event, I renewed my dispute with Chase explaining the fact that I had never received the tickets. The Chase representative agreed that I may have been the victim of a scam and said he would elevate my dispute to a higher level. My dispute was again denied. Consequently, I paid off all of the legitimate charges on my Chase card, leaving just the disputed charge, and then cancelled my Chase card. Since then I have continued to receive monthly bills with added late fees and penalties. I made one last effort to address this issue with Chase on XX/XX/year>. I was directed to a " supervisory '' employee, who again denied the dispute, despite the fact that the tickets to that event were never issued to me. I had a long history with this particular Chase card and my credit rating is outstanding. I find Chase 's position in this matter inexplicable.
Product: Debt collection

I have been dealing with a same collection from XXXX for a few years. I have spoke to them and they clear it because it doesnt exist. I am a current XXXX customer so I do not understand why this keeps happening. It keeps affecting my credit and it is a hassle. The balance that always reflects is {$150.00}. I am trying to resolve this issue once and for all as I am trying to purchase a home and I do not want this to reflect negatively on me. The collection company is Enhanced Recovery Company.
Product: Money transfer, virtual currency, or money service

I contacted ( BLOCKED INC THEY NEVER GOT BACK TO ME
Product: Credit reporting or other personal consumer reports

You [ XXXX  XXXX, XXXX, XXXX XXXX bank XXXX XXXX replied that the alleged transaction you furnished as late was { accurate/ verified } choose the response they used } ] but my previous dispute did not ask you for accuracy or validation. 
On { XX/XX/XXXX } you furnished to { XXXX, XXXX, } put the CRA that is reporting the late payment } an alleged transaction as Late. 
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I requested the information that must have or possess by law in order for you to furnish a payment as late.

This is being request pursuant rule 1002.

In other words, to properly report information as verified, the furnisher must have sufficient evidence to support the conclusion that the information was true, and in doing this the conditions required by 15 USC 1666b must be met.

You failed to provide the required requested information, you failed to proceed in accordance with the requires for a creditor to treat a payment as late.

It has been over 30 days and you have not properly verify the information. 
Id. at XXXX ; see also XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ( defining verify as [ t ] o prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate ). 
Importantly, a furnishers inability to conclusively determine that the disputed information is inaccurate does not mean that the furnisher is permitted to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Instead, if the evidence available to the furnisher is insufficient to establish the truth or falsity of the disputed information, then, under the statutory framework, the furnisher must report that its investigation concluded that the disputed information can not be verified. 
XXXX, XXXX XXXX at XXXX. So, for example, if a furnisher is unable to verify that a consumer missed a payment, then it XXXX be appropriate for the furnisher to delete any mentions of the missed payment while continuing to report other information about the account. 
Delete the information you are furnishing to the Consumer Reporting Agencies as late from account : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Checking or savings account

Claim ID : XXXX Account ending : XXXX I received a notification that my claim ID XXXX in the amount of {$6900.00} was denied on XX/XX/2022. I called the fraud department to reopen the claim and send in the police report. Bank of America has not answered the phones and denied my claim. I have waited on hold for over 3 yours. They also have not honored their theft and fraud policy. please see my below statement as to what happened : On XX/XX/2022 I went surfing in XXXX, CA and left my wallet and phone in the car. There is a group of criminals who target surfers in XXXX for this reason. The criminals stole my wallet and phone out of the car and went to the XXXX XXXX in XXXX XXXX and were able to use my debit card to purchase {$6900.00} worth of merchandise. They were able to authorize the transaction because they had my ID and my cell phone and were able to call Bank of America to verify my identity. On XX/XX/2022 I filed the police report and was able to verify my identity with Bank of America because I got my new phone from XXXX. Up until XX/XX/2022 Bank of America would not allow me to freeze my credit and debit cards because they could only use my phone to verify my identity. 


They also were able to charge {$6500.00} on my Bank of America credit card at the same XXXX XXXX and I opened a separate claim for that amount. Claim number : XXXX I filed a separate CFPB complaint for this because it was on a credit card. 


Additionally, They were able to XXXX transfer {$3000.00} to someone named XXXX using my XXXX. I assume they were able to do this because they had my cell phone. You can see in the below screenshot they also tried to make several other XXXX transfer to someone named XXXX claim number is XXXX. Bank of America honored and paid this claim. 

Please review the information. I can provide you with all the information you may need. Thank you XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN, I AM A VICTIM OF IDENTITY THEFT.

THE ACCOUNTS LISTED BELOW ARE NOT ANY COMPANIES THAT I HAVE APPLIED FOR CREDIT FROM. THEY ARE ALL ACCOUNTS OPENED WITHOUT MY KNOWLEDGE OR PERMISSION. THEY ARE FRADULENT AND NEED TO BE REMOVED IMMEDIATELY. I HAVE FILED THE PROPER DOCUMENTS WITH MY LOCAL LAW ENFORCEMENT AGENCY AS WELL AS WITH THE FTC. I AM PROVIDING YOU COPIES OF THESE ITEMS TO SUPPORT MY CASE.
Product: Mortgage

I am having a problem with Mortgage Company in regards to miss handling my money every year there is a SHORTAGE ( this year was 1/3 of Escrow {$1000.00} ) they will NOT talk to me. They just send the paper work & it show everything looks good. When I ask why this keeps on happening they will not answer. Last papers sent had a contact number and person, call & left messages but NO reply.Have also filled complaint with cfpb just sent the papers showing thing were ok, but still no answer of why & how. Have also in letter ask to have Escrow returned back to me.They said NO to bad.How do I fill a Dispute with Mortgage & cfpb or find Legal help.I am at a dead end & this Shortage ( of the Large amounts is not being done correctly ) needs to be fixed.As I have done my own Escrow 30-35 yrs. with NO problems.Need to talk to someone that will listen to what I am trying to tell & not just look at the paperwork, look in between the lines & see the on going problem. I also have found that this Mortgage Company has been to Court by the cfpb a few times for many things. With the shortages they just put another loan on top of the main Loan, now there is 2 more along with the main loan.I am filling like I am going to lose my Home. Please can you help or help me find some help.Please call so I can explain in detail better then trying to write.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : FIRST PREMIER BANK XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX has violated my rights. 15. U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

I have not issued any written consent or instructions for this to be listed on my consumer report. FURTHERMORE, THERE IS NOT AN ACCOUNT NUMBER REFERENCED ON THIS ENTRY ON MY CREDIT PROFILE AND IS IN NO WAY VERIFIED TO BELONG TO ME.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXrequested on XXXX XXXX ( hard inquiry, adverse information ) in violation of section 5 ( a ) of the FTC ACT,15 USC 45 ( a ) Prohibits unfair or deceptive acts or practices under GLB ACT. OPTOUT /privacy NOTICE IS REQUIRED 160.4 ( a ) ( 2 ) deceptive omission of material fact.in violation of section 501 ( b ) of the GLB ACT,15 USC 6801 ( b ) Safeguard rules : to protect the security, confidentiality, integrity and privacy of the consumer NON PUBLIC PERSONAL INFORMATION from unforeseeable internal and external risk.Ive suffered and will continue to suffer substantial financial injury as a result of XXXX XXXX XXXX violation of the FTC ACT and GLB ACTXXXX XXXX bank has been unjustly enriched as a result of its unlawful acts or practices, it likely to continue to injure reap unjustment and harm the public interest in commerce .Please remove all adverse information.section 5 ( m ) ( 1 ) ( B ) of the FTC ACT 15USC 45 ( m ) ( 1 ) ( B ) fined is XXXXdeceptive acts or practices
Product: Mortgage

original finance comany - ocwen. loan sold to phh in XXXX XXXX see customer account activity statement -- XX/XX/XXXX payoff. escrow balance of {$1300.00}. XXXX  out. where did my escrow money go? XXXX  out on that statement. my first escrow shortage was in the first 6 months with phh. shortage of {$980.00} in 6 months. i didn't pay close attention. saw my increase in payment as is the usual with mortgages. second escrow shortage is {$2400.00}. HOW DOES THIS HAPPEN??? i began researching my statements. the remedy for the first shortage was " the monthly shortage for the next 36 months is {$27.00} and will automatically be added to your monthly payment beginning XX/XX/XXXX. '' now the second shortage remedy is " The monthly shortage for the next 48 months is {$50.00} and will be automatically added to your monthly payment beginning XX/XX/XXXX. '' HOW WILL THIS EVER GET PAID?? Escrow is structured by taking the total of the insurances and taxes and dividing by 12 months in the year. this is setting me up to lose my HOUSE. i have had this account for 18 months and THESE ARE PREDATORY PRACTICES. HELP!!! MY PAYMENTS ARE HIGHER THAN EVER AND YET THE ESCROW DOESN'T COVER THE INSURANCES OR THE TAXES!!! SOMETHING IS WRONG!! My former company Ocwen was difficult when they owed me escrow back but they always trued up at the end of the annual term. in 18 months they have me in debt - not my doing. HOW CAN THEY STRUCTURE MY ESCROW THIS WAY?? IF I CAN'T PAY IT AND IT KEEPS GOING I WILL LOSE MY HOUSE. PHH WILL OWN MY HOUSE BASED ON THESE PRACTICES. THIS IS CRIMINAL. Especially in a pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the Transunion after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there were XXXX XXXX, XXXX XXXX accounts on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts to BLOCK OR REMOVE it in my credit file. I attach a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Bank statement, drivers License, and my Social Security Number are all included in this complaint request. I want you to know that I am telling the truth and the Transunion not block the going with things recorded underneath which are noting mistakenly a result of extortion
Product: Credit reporting or other personal consumer reports

Despite my previous 5 written requests, the unauthorized inquiries listed still remain on my credit report in violation of Federal Law. They stated in their responses to my 5 dispute letters that they have verified that the unauthorized inquiries listed are accurate but they failed to send me copies of the documents that they used to verify these unauthorized inquiries as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the unauthorized inquiries is evidence that they can not and did not verify any of the unauthorized inquiries like they said they did. Their failure to delete the unauthorized inquiries that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed or deleted 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 XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not correct my closed account status for XXXX XXXX. This account was paid in settlement in XXXX and it still shows it as charge off. I disputed this accounts status for the third time in XX/XX/XXXX with Experian. Experian concludes it was a charge off and updated the account as a charge off status for XX/XX/XXXX when the account as settled and paid in the summer of XXXX. I even attached settlement letters to my Experian dispute from the lender and they still wont fix it. This has dropped my score even more because Experian shows it as a recent charge off while its been over two and half years. They just dont get it!
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

Payday loan from XX/XX/2016 ... My mother and fiance received repeated calls the past few days with a company threatened legal actions against me So I called the company and talked to a lady she acted like she didn't want to give the company name and I said why when I received this call a year ago and they said they were filing a civil case I never was sued and she said because I said I wasn't gon na pay so if I said I wasn't gon na pay wouldn't that be a reason to file the civil case? So I told them they better not and harass my mom anymore ever
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been contacted by mail on XXXX XXXX that they are incorrectly reporting the balance on the XXXX XXXX. In addition, they are failing to report payments made on the account. The information supports that the agreement to pay {$9100.00} would be accepted to settle the debt. They agreed to this amount on XX/XX/XXXX. The payments to date have been on XXXX XXXX for {$260.00}, XX/XX/XXXX for {$260.00}, XX/XX/XXXX for XXXX, and {$260.00} XX/XX/XXXX. 
XXXX is reporting the full balance as a charge off for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
The payments have been reflected on the full amount of the balance which was agreed to settle for $ XXXX payments of $ XXXX {$1000.00} which leaves a balance to be paid based on the agreement of {$8100.00}. 
XXXX reports the amount due of {$14000.00} which reflects payments to reduce the balance from the amount that XXXX arbitrarily decided to report on as I am following the rules of the settlement agreement with XXXX. When I discussed the matter with XXXX the agreement would state the balance due of {$9100.00} with the payments being made. The account would be reported as closed versus a derrogative against me each months for making the agreed upon payment. XXXX is making this decision to hurt me regardless of their agreement to settle the account. 
I am demanding the XXXX honor the agreement and report accurate and honest information to all the credit bureaus. The letters sent to me do not respond to the information attached to this complaint and can be viewed as incorrect on the XXXX credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these items that does not belong to me and i want it to be removed from my credit. 

1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 


2. Identity Theft SYNCB/BP DC Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft SYNCB/GAP Date of inquiry : XX/XX/XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a problematic account on my credit report. They did not possibly do a complete, accurate and throughout investigation. They never provided the method of verification or anything for the problem i have. They are violation the FCRA openly. This has caused severe emotional damage causing me to miss out on credit opportunities i deserve. I'm asking CFPB for help with this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that was never late for. 
Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX builder XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks